The 8 main factors to consider before taking out a reverse mortgage

The reverse mortgage can be an excellent retirement tool for many homeowners age 62 and older. It allows you to borrow money against the equity you have accumulated in your home. In addition to supplementing your income, it also allows you to stay in your home for as long as you like. However, there are many things to consider before obtaining a reverse mortgage.

The amount you get

The amount you can get as a reverse mortgage depends on the type of equity you have built up in your home. If possible, you can get a home appraisal to find out how much you are entitled to borrow. See if the amount is sufficient for your requirements and then make your decision. The good news, however, is that you will still have the title to your home as long as you stay in it. However, you will have to pay property taxes, homeowners insurance, and other fees to maintain your home regularly.

Payment options

When it comes to receiving funds from a reverse mortgage, you can choose from a number of different options. You can get it as a lump sum, a monthly payment, or a line of credit. You can also try a combination of these. Consider your personal situation before selecting the correct option. If you have a large one-time expense to cover, you can opt for a lump sum. However, if you need the money for your regular living expenses, you will have to choose the monthly payment option. In case you need the money only for emergencies or additional expenses, you can consider looking for a line of credit.


HUD continues to change the rules for the reverse mortgage from time to time. They may not affect existing borrowers. But, as a senior homeowner thinking about getting a reverse mortgage, you may need to keep up with all of these rules and regulations. According to the latter, HECM borrowers will now have to pay an initial mortgage insurance premium of 2% of their maximum loan amount instead of the 0.5% they previously paid. This is regardless of how much you withdraw in advance. However, the annual PMI of 1.25% on the outstanding mortgage balance has now been reduced to 0.5% for all borrowers. Borrowing limits have also been lowered compared to what they were previously.


There are many upfront costs associated with reverse mortgages, such as the loan origination fee, appraisal fee, mortgage insurance premium, and closing costs. They can go up to 3-4% of the loan amount and are generally financed by the loan. Apart from these, the lender may also charge some loan service fees. Many reverse mortgage lenders may contact you through reverse mortgage leads. Check with all of them about the fees involved before signing an agreement with any of them.

Payment plan

Unlike the traditional mortgage, reverse mortgages do not require monthly payments. They become refundable only after you pass away or move out of your primary residence. This is not an option you should consider if you are thinking of moving out of your home in five years. If you do, you won’t be able to recoup the closing costs you pay against the reverse mortgage you applied for.

Family opinion

Talking with your family members is very important before taking out a reverse mortgage. Your heirs may want to keep your home after your death. In most cases, borrowers use all equity when they take out reverse mortgages. And once the borrower dies, the home will have to be sold to pay off the loan. If family members want to keep the home, they must have alternative means of financing to repay the mortgage. Find out what your family members would like to do with your home before you take out your mortgage.


How you use the reverse mortgage will determine whether you would benefit from taking out one. There are no restrictions on how to use your mortgage amount. You can use it for your ongoing living expenses, take a family trip, or cover your kitchen renovation costs. However, you will still need a plan before you receive the cash. Your age also matters when it comes to using the funds from these types of mortgages. For example, if you are still 60 years old, you may want to avoid unnecessary expenses so that you don’t run out of funds at a later stage.

Alternative options

It will work for you if you have few financial resources and if your family members have no interest in keeping or inheriting your home. However, if you try to see the big picture, you may find many other options. See if you have other income or assets to sell. You can sell your home to your children, sell your home, refinance your existing mortgage, or even decide to downsize and start living in a retirement community.

The reverse mortgage is available to all homeowners age 62 and older. However, it may not meet everyone’s requirements. You will need to find out if this is the right option for you before deciding to borrow. Make sure you know the rates and the legislation and have a defined plan of use and payment. Also look for alternative options that are better suited to your needs than a reverse mortgage.

This mortgage is a lifetime decision that can help you lead your retirement life peacefully and comfortably. However, you may want to make sure it is the right decision before answering “Yes” to one of the mortgage lenders who reach out to you through live mortgage leads.

Digital Marketing

Social Media Tips for B2B Insurance Agencies

A strong social media presence can be a challenge for B2B (business-to-business) insurance agencies. Many B2B companies struggle to show their professionalism and build an audience through social media marketing. Consider the following tips to make sure your agency maximizes its social media marketing efforts.

Create your character online

Your presence on social media must have a well-defined personality. Informative, helpful, engaging, timely, and relevant are characteristics that leading B2B social media accounts consider when building their online persona. Decide how your voice will sound online. Will you be formal or informal, will you talk to people or companies, will you seem like a journalist or an opinion contributor? Will you share company employee events, create contests, report on industry changes or regulations, or all of the above? The goal of your agency is to establish a relationship and a sense of community with both clients and prospects. But first you need to determine your personality on social media.

Create a written strategy that includes the prospect’s scorecard and the buyer persona

When creating your marketing strategy, ask yourself these questions:

  • Who is your target audience online and how diverse is this group? Start by creating a Lead Scorecard.

  • What social platforms will best target that audience? You may need to search the different platforms to see which social media platforms are most applicable to your customers and prospects.

  • What type of content will that target audience find most useful? Would it be infographics, long articles, technical support information, breaking news commentary, regulatory updates, or some combination of all of these?

  • What are your short-term and long-term social media goals? Perhaps your short-term goal is simply to consistently share content. And your long-term goal includes an advertising budget for growth and lead engagement.

  • How do your competitors use social media? You can learn a lot about dos and don’ts by studying your competitors.

Comment on news and regulations relevant to your target industries

Offering feedback on the latest news and changes in industry regulations is a great way to demonstrate your knowledge in your industry and provide your clients with information on how to understand these updates. This can lead to higher levels of engagement and more exposure to your social media pages. You can use Google alerts and social media alerts to monitor industry keywords and stay on top of dynamically changing events.

Organic posts versus paid posts

Once your insurance agency consistently posts quality content, you can consider postings and advertisements. You may want guidance with this, as the budget can be spent quickly, and multivariate split tests with attractive images and custom graphics can dramatically improve your reach and ROI.

Build a respectable fan base

Looking professional and demonstrating a respectable following and level of engagement is half the battle when starting your insurance social media marketing initiative. The main platforms your agency should take advantage of are: LinkedIn, YouTube, Facebook, Twitter, and Google+, probably in that order, although your target markets could affect this. LinkedIn and YouTube can be very valuable to B2B companies. LinkedIn is a good place to start, it is very much a business-centric platform. Then take advantage of YouTube through videos, recorded webinars, or even simple PowerPoint voice updates. Try to build your fan base as fast as possible, to a respectable number. For example, this could be 500 followers on LinkedIn, Twitter, and Facebook. Although 5,000 or more would be great, initially your agency strives to achieve a baseline of professionalism and credibility.


Handcrafted jewelry

If you’re thinking of hippie-style macaroni necklaces and beaded earrings when you hear the term artisan jewelry, chances are you haven’t spent time at craft shows and shows in recent years. Handmade jewelry has truly stood out with a variety of different metals, styles, gems, and semi-precious stones, as well as non-traditional jewelry materials. Handmade jewelry is often a one-of-a-kind item, making it an ideal gift idea for that hard-to-buy person on your Christmas or birthday list. Handmade jewelry is also in high demand for bridal parties and special events as the wearer is sure to turn heads and comment on the unique jewelry they are wearing.

The internet has truly brought artisan jewelry to your own property. Artisans and jewelers around the world can market their creations over the Internet, literally entering a global market with just the expense of hosting a website and uploading a few digital photographs. Websites typically provide a good cross-section of what the craftsman produced, but they also allow you to communicate regarding custom designed pieces that you may be interested in having made. Another great place to locate both handmade jewelry and the artisans themselves are seasonal craft shows that are commonly held during the Christmas season in most areas. This will give you a good idea of ​​what is available locally, which can save additional shipping costs and delays associated with Internet transactions.

Many handmade jewelry items feature items such as gemstones, semi-precious stones, or even polished stone that is native to the area where the artisan resides. Often this in itself creates the unique quality of the jewelry, as the materials themselves are not available in stores or in mass-produced jewelry items. In addition, handmade jewelry can also restore or wear some of those quirky pieces you have in your jewelry box, such as individual earrings, hopelessly stacked gold and silver chains, and even rings that no longer fit and make them unique. . and new creations that you can wear with pride.

Some artisan craftsmen will also complete custom orders. This is a wonderful way to design your own jewelry with the help of someone who can give you ideas, assistance, and usually won’t charge you as much as a custom-designed piece from a jeweler. Of course, there are very unique handmade items that you might want a designer to produce, such as an engagement and wedding ring set or an anniversary or family band. However, before going to a traditional jeweler, you may want to spend some time browsing the internet to find out what’s available.

Beaded jewelry is still very popular, although styles and materials have changed over the years. Modern earrings, necklaces, bracelets, and even anklets feature various types of precious and semi-precious stones, decorative silver and gold beads, and truly unique pieces of natural materials like coral, crystal, and shells. These items are both functional and beautiful and can usually be paired with traditional jewelry to give a very elegant and high-fashion look.


Neoprene Koozies Vs Polyurethane Koozies: What’s the Difference?

Promotional can coolers are a great way to get your custom logo, graphics, or message in the hands of your target audience. They are an economical and functional solution for your next personal or business marketing campaign. Choose from a variety of designs, choosing color, size, and material. There is a large selection of colors to match your special event theme or to help highlight your custom printed image. There are also two sizes of can coolers to choose from, depending on the material they are constructed from: Neoprene can coolers hold only 12oz beverages, while the polyurethane foam holds 12oz or 16oz beverages. Each of these custom can coolers can be made from 3mm thick neoprene or polyurethane foam. Both designs offer superior comfort, insulation and style.

Neoprene Printed Can Coolers are made from thinner material, will fit all 12oz cans, and have a large 2.5 “H x 2.4” W print area. This is because Neoprene is a type made of synthetic rubber that will maintain its insulation despite the thickness of the material, as well as being extremely flexible and durable. However, unlike other rubber-like materials, neoprene is much more affordable, making it suitable for a wide variety of uses such as: wetsuits, laptop sleeves, and dishwashing gloves. Alternatively, the polyurethane foam material is slightly thicker but with a different construction. This makes it suitable for 12-16 oz cans, long neck bottles, and water bottles. Polyurethane has a number of uses that depend on the shape of the material. Depending on how it is processed, polyurethane can be a thick, strong plastic, a thin sheet, or a foam. Polyurethane foam comes in two basic constructions: open cell and closed cell. The open cell polyurethane foam allows air to easily pass through the material, making it comfortable and suitable for mattress pads or seat cushions.

The polyurethane foam construction in these can coolers is actually a closed cell foam, which means it has gas bubbles trapped in the material. This makes it a good insulator, but it also makes it a bit thicker than solid neoprene. Polyurethane foam can coolers allow for a 2.5 “wide x 2.25” high print area, which is slightly smaller than the neoprene design. Regardless of the material you choose for your can coolers, the quality of printed images or text will not suffer. It is often difficult to find a promotional product that not only attracts the attention of your target audience, but also incline them to pick it up and use it. Can coolers are a great idea for promotional gifts or as one-of-a-kind party favors because they are functional and can be easily folded to fit in your pocket. This will encourage your guests to take your promotional product home and save it for later use. Choose these custom can coolers for your next business function or organizational event, as they will provide the kind of logo or brand visibility that is essential for a promotional campaign.

Legal Law

8 Important Reasons to Buy Your Own Health Insurance Coverage Right Now

Patrimonial protection is an area that is often neglected rather than Wealth creation. Without a hint of doubt Wealth creation making smart investments is definitely important. But what good is it if there is an imminent risk of losing everything you created throughout your life, in a span of, say, a few months?

Health insurance is one of those aspects of Patrimonial protection – where most of us feel that we are already sufficiently protected by our company’s group insurance policy, or God will always be too kind to us and nothing will happen to us while we are in our prime. Can we be further from the truth? And we all see and hear enough examples around us every day that contradict this basic assumption of ours. Simply closing your eyes will not make the risk go away. A smart wealth creator, like a smart project manager, manages health risk by ‘adequately’ covering this risk associated with it. Cover your risk before it’s too late.

It was a severe heart attack. He was lucky to have survived. He is 31 years old, my former colleague, he works in a multinational in Gurgaon and is very successful, or apparently. He has a beautiful daughter and a very loving wife. All of his 3 arteries were blocked by more than 70%. Bypass was the only option. When he returned home, his corpus was reduced by 25%, this despite having a group insurance policy from his employer. Aside from the emotional setback, as well as lifetime limitations on your lifestyle habits, it will take you another 4 years of hard work, just to get your portfolio back to where it was before this incident. It can be said that he was unlucky. No. He was not a smart portfolio manager. A smart manager will always hedge your portfolio risks.

And if after reading this, you have been thinking that it could have happened to him because of his work stress, and that you do not bear so much stress in your workplace, let me tell you that the food you eat, the air you breathe, and the water you The baby has become toxic enough to cause such and far more dangerous diseases, even if he leads an absolutely stress-free life. It is unfortunate, but true, that we live and consume such toxicity. Who will be next is just a matter of luck.

Hope for the best, but prepare for the worst – this is how we used to plan our projects. This is exactly how you should deal with your life. I sincerely hope that you lead a healthy and prosperous life, but I strongly urge you to be prepared in the event of such an eventuality, as it is definitely a reality in our calling. developed world.

Here are 8 powerful reasons why you should buy your own health insurance policy ASAP, regardless of your age or existing coverage:

1) Avoid rigorous testing

If you think you will save some money and take out health insurance coverage only when you turn 50, keep in mind that after 50, almost all health insurance companies put buyers through a large number of medical tests. before selling them health insurance. plan. And once you undergo a series of tests at that age, it is very likely that you will be discovered with some minor, if not serious, abnormality. Each of these anomalies will carry its premium, in addition to the physical pain of undergoing all the tests. You can avoid all these tests if you buy your health insurance policy sooner. Any pre-existing illness is automatically covered in such a case. Any later diagnosed illness will be covered without additional premiums.

2) Pay a lower premium

Health insurance premiums are quite low when the age is younger. The younger the age group, the lower the premium. And the premiums increase only if you change age group. At 25, a plan with coverage of Rs 5 lakh would cost you around Rs 8000, at 35 you will have to shell out around Rs 11000 and at 45 the cost will increase to Rs 18000. So buy it as soon as possible to reserve the policy with the lowest possible premium.

3) Accumulate no claim Benefits

Even if you stay healthy, what we should all expect, with every no claim year, increases the scope of your health coverage. Buying early means you will likely have more years without claims, allowing you to accumulate benefits over time.

4) Get access to cheaper and hassle-free online shopping

At a young age, you can buy a decent enough health insurance policy online. Online policies are cheaper. Many insurers are unwilling to sell online if the buyer is over 50 years old. You won’t be able to take advantage of the online shopping facility if you wait too long.

5) Your Employer Coverage Is Just Not Enough

With health care costs rising exponentially, the need for health insurance cannot be overstated. Check the cost of a one-week hospital stay for a regular illness and then compare it to your company’s coverage. They will most likely convince you to buy a cover right away. I’m not sure yet? Think about when you will age and may need more frequent medical care. What if you are asked to leave the company, a harsh reality today? What about the period between two jobs? You must hedge all these risks to protect your portfolio.

6) Take advantage of Sec 80D tax benefits in addition to Sec 80C benefits

Buying your health insurance early also means better financial planning. You save taxes by paying the premium. Under section 80D, you can potentially save taxes up to Rs. 40,000 annually. If you factor in these tax benefits, the cost of a health insurance policy is not prohibitive considering the protection you enjoy.

7) Exceed the Waiting period

When I left IBM and took financial freedom, I bought a private health insurance policy, only to find that I have to undergo a waiting period 2 years for specific treatments. And, as fate would have it, my wife had to undergo surgery for one of those diseases during this 2-year period. Who paid? I did. Don’t make the same mistake I did. Don’t wait to buy a health insurance policy until it becomes a definite necessity.

When you buy a health plan, you must meet several waiting periods: for certain surgeries, special treatments, coverage of pre-existing conditions, etc. If you buy it now, when you don’t need it right away, it would mean that you would have met the required waiting periods and could claim all the benefits later.

8) Cover your ‘unborn’

Today’s health insurance policies cover much more than just hospitalization. The new health plans cover you for day care and OPD procedures, not just serious hospitalizations. Even vector-borne diseases are covered. Most plans also have maternity benefits, which can be relevant at this stage of life. Plus, your newborn will be covered from birth with no additional premiums.

As with building wealth, acting early also works with protecting wealth.

Lifestyle Fashion

The dangers of not treating a yeast infection

Is there a danger in not treating a yeast infection?

It’s a curious question: it assumes that you know you have one. For the purposes of this article, I will only deal with vaginal yeast infections.

So how do you know if you have a yeast infection? One way to find out is if you have the same symptoms as before, when your doctor diagnosed you correctly. However, other conditions can masquerade as yeast infection, even in people who have had them before. Urinary tract infections, sexually transmitted diseases, and bacterial vaginosis are conditions that are often mistaken for yeast infections.

The most common symptoms of a yeast infection are vaginal itching (internal or external) and vaginal discharge, which can be milky or have the consistency of cottage cheese. The most common reason women get these infections is from taking antibiotics for a different condition, such as a bladder or respiratory infection. Diabetes is also associated with frequent yeast infections – yeast likes sugar and grows especially well when blood sugar is high.

If you’ve taken antibiotics and have yeast infection, do you have to treat it?

Not necessarily. If you are otherwise healthy, your body can often heal itself. Antibiotics also kill bad germs and good germs. Once you discontinue antibiotics and your normal “flora” (population of good germs) is restored, yeast loses its edge, allowing your body to fight yeast overgrowth. If you can tolerate the itchiness long enough for this to happen, it is perfectly acceptable.

However, if you must continue daily antibiotics for, say, a severe case of acne, your body may not have a chance to recover on its own. In that case, you may want to stop antibiotics for a time or forever and ask your doctor about an alternative acne treatment.

Also, if you have a yeast infection that does not resolve on its own (or with treatment), you should have a diabetes test. Occasionally, if your blood sugar is high, the yeast can really take hold and make you feel so miserable that you couldn’t tolerate the symptoms.

Some people may not want to treat vaginal yeast infection due to concerns about the use of chemicals in their bodies. This is a valid consideration. Probiotics can be helpful in restoring normal flora, which is really the essence in ridding your body of a yeast infection. There is always some yeast around; it normally lives in the colon without disturbing a person, along with billions of other germs. Our skin is covered in germs, our mouth is full of germs, and the vagina has its own set of normal germs. The key is to keep the right germs in the right place.

The danger of not treating a yeast infection lies mainly in having an incorrect diagnosis. I have seen many patients who have assumed their symptoms are due to yeast, only to find that they have a UTI or an STD. Also, the irritation caused by vaginal yeast infections can predispose you to getting an STD. Just as an open wound on the hand is more likely to become infected than intact skin, the vagina is also more likely to be infected with a sexually transmitted disease if it is raw and sore.

STDs that can be confused with vaginal yeast infections include herpes, chlamydia, trichomonas, and gonorrhea. Bacterial vaginosis is generally not sexually transmitted, but it can give similar symptoms.

Urinary tract infections, bacterial vaginosis, and sexually transmitted diseases require different treatments than vaginal yeast infections, so having the correct diagnosis is vital.

If you have vaginal itching or discharge that does not resolve on its own or with treatment (such as an over-the-counter clotrimazole vaginal cream, used according to package directions), see your doctor. You don’t want to be unaware of having an STD or pass it on to your partner.

Copyright 2010 Cynthia J. Koelker, MD


Pet Adoption: The Pros and Cons of Adopting a Dog from a Puppy Factory

We have all seen horror stories about how cruel animals can be and are treated. We promise that we will never be victims of such forms of cruelty as a form of punishment or subject our pets to such dire living conditions. On a larger scale, puppy mills are notorious for mistreating animals. Animal organizations fight puppy mills and warn people not to continue funding the industry. But since you can’t blame the animals, is it ever okay to adopt from a mill?

Recently, a large puppy mill operation was raided in Tennessee. About 700 cubs were rescued by the Humane Society and those in good health were sent to animal shelters for adoption. People lined up outside the shelters to offer the pups loving homes. This raid was the largest ever conducted in Tennessee and has enlightened many people about the true conditions of a puppy mill.

So what is the difference between a breeder and a mill? In general, breeders are proud of their animals. They raise the animals with health and temperament in mind, and don’t take them away from the mother too early. They allow the females an adequate period of time between reproduction. The dogs are purebred and live in favorable conditions. If you’ve ever tried to buy a dog directly from a breeder, then you know how difficult it can be. Often times, a breeder will not give an animal to just anyone who wants it. A mill, on the other hand, breeds dogs for money. Living conditions are so bad – multiple animals confined to a small area, little or no grooming, and little food – that the animals often develop health problems early on. Female dogs are often forced to reproduce in each heat cycle, which affects the health of the mother and the litter. Young cubs have wings too early. While the dogs may appear purebred, the paperwork is often faked.

When an animal organization stresses the importance of not funding the industry, you might be wondering who exactly is doing all the funding. If you’ve ever purchased a puppy from a pet store or garden breeder, you may have contributed. In the past, pet retailers were known to buy their puppies from factories. Puppies are cheaper and the factory claims to have a pedigree. Now fewer shops buy from the mills, but sometimes the mill cubs sneak away. Often times, factory staff will disguise themselves as reputable breeders, offering purebred puppies with pedigree information. The stores then buy the puppies (contributing money to the puppy mill) and you, in turn, buy the puppy from the store. Due to sales, the store continues to buy from the “breeder”.

Many people go straight to the store when they want a purebred puppy, believing that the store can prove the pedigree. In reality, factories often falsify information. If you are looking for a purebred puppy, go directly to a breeder. Pay attention to the conditions in the breeder’s premises. There is a big difference between a reputable breeder and a backyard breeder. Backyard breeders have poor living conditions; they are very similar to small-scale mills. A true breeder will show love and care for animals. They can observe how you interact with the puppy and ask you many questions about the puppy’s possible living conditions. If the breeder feels that you are not a good match and you are leaving without a puppy, do not feel bad. Perhaps a different breed of dog would fit your lifestyle better.

If you are not looking for a purebred, check your local animal shelters. There, you can find dogs that were rescued from a mill or similar living conditions. You can also find breed specific shelters that offer purebred puppies. Adopting from an animal shelter means one less dog will be euthanized.

So is it ever okay to get a puppy out of a mill? The answer is no, unless the mill dog ends up in a shelter. Adopting a rescued dog is very different from buying it (directly or indirectly) from a mill. No, it is not the dog’s fault, but your money will only ensure that the mill continues to abuse it. Find breeders in your area and schedule visits. You can also visit your local animal shelter to find a dog that is right for you.


Soccer – Coloring Pages Children must have five facts

Soccer Coloring Book Boy, do you love soccer coloring books but don’t know the pig skin game?

Coloring football Kid, do you think that five facts about football will help you inform yourself?

Let us begin …

  1. Football history
  2. Soccer fundamentals
  3. Organized structure of football
  4. Player skill levels
  5. Football season

1. History of football

American football comes from rugby. The first major football game was won by Rutgers University (score – 6) against Princeton University (score – 4). His war was in 1869, four years after the Civil War.

Soccer boy coloring, the main idea of ​​soccer remains the same. Soccer fans still yell, “Run that ball!”, “Throw it!”, “Kick it!”, And “Score man, score!”

2. Fundamentals of soccer

Coloring boy, you must take the ball to the end zone of your opponent.

Get yourself an air-filled leather ball shaped like an egg to throw, catch or kick.

Follow the rules and regulations. Don’t run “anyway” with the ball, man!

Only two teams can face each other. Your team and the other guy’s team must have eleven players on the field at the same time. The smallest soccer leagues use fewer than eleven players.

Teams take turns playing offense (trash talking allowed) and then defense (crying babies not allowed).

The offensive team owns the ball until it scores, or fails to gain 10 yards in four attempts, or loses the ball to the defensive team.

The defensive team tries to prevent the offense from gaining yards or scoring. The defense also tries to steal the ball.

3. Organized structure of football

You love taking people down, boy? Is screaming in the face of a big boy your dream

Come true? Is throwing a little one against planet Earth your idea of ​​fun?

Well, Coloring football kid, tackle football is for you …

NO! Kid coloring soccer, no scratching or spitting! “Gouge out the eyes and kick?” NO! “Suffocation and pistol whipping ?!” NO! Don’t be greedy, boy …

Here is a bit of information to help you understand the organized structure of soccer:

Teams can change players as long as there are 11 players on the field.

Scrimmage is the action once the ball is snapped (quickly delivered) to the Quarterback by its Center until the ball is dead.

Line of Scrimmage is an invisible field line where teams face each other. Now listen to this …

Both teams can have three specialized teams where players have one or more roles.

Here are some roles …

    I. The Specialty Offensive Team must score or gain yards to win.

    The Quarterback leader receives the ball from his Center man, his second brain. The quarterback throws the ball to a receiver, or hands it to a runner, or runs the ball himself (brave!). The offensive line consists of five Mack trucks. They protect the passer, block and leave footprints on the back of defensive players. Running Backs have roles in running the ball, catching, blocking, and wreaking havoc on the yardage. Wide receivers catch the quarterback’s zoom balls. These guys have “superhero” speed and also block. The Tight Ends have two roles. They can act as wide receivers or offensive linemen protecting quarterbacks and blocking running backs.

    II. The specialized defense team must prevent opponents from scoring or gaining yards.

    The Defensive Line has 3-6 “huge giants” that block the sun and create darkness and pain along the line of scrimmage. Linemen (“monster trucks”) go around the runners. They perform a crash test to “catch” the quarterback before he passes or takes the ball. Linebackers cause nightmares. They lurk behind the Defensive Linemen in addition to rushing the quarterback or covering the receivers. Defensive Backs with superhero speed coverage receivers and stop making zoom passes and rushing quarterbacks.

    III. Specialized special equipment must score extra points.

    Got a fancy leg and foot, boy? Become a bettor or spot kicker to get those saving points in the game. Long snapper also need precise skills.

4. Skill levels of the players

    Professional level

    There are 32 American teams that want to be professional players. American football leagues are in 50 countries! Maybe you can sign with the German Football League (GFL) or the Japanese X-League. Sports agents and attorneys will help you do great business. Soccer coloring boy, if you can’t cut the pro levels, go to the semi-pro leagues. Or become a sports agent or lawyer! Don’t play dumb, boy, study hard at the …

    University level

    Your professional soccer training begins in college. Almost all colleges and universities have a soccer team and a stadium. Do you like crowds, soccer coloring boy? Go to a college game. If you get lost hold back the tears, boy. Please wait by the security station. After the last 60,000 to 100,000 fans are gone, your people will be able to see you!

    Secondary level

    More high school kids play soccer than college kids. High school leads to college, then pro-level soccer careers, then high-paying television commercial careers. The second year of high school is when most players decide on a football career. Some professionals learned to play soccer in …

    Youth Level and Pee Wee

    Do 5- to 14-year-old players have fans other than mom and dad? “Yes.”

5. The football season

Can organized teams throw pigskin at any time? No? That’s right.

  • The football season begins in August.
  • Soccer drives you crazy until the professional playoffs in January
  • High school games are played on Fridays.
  • College games are played on Thursdays and Saturdays.
  • The professionals play on Sundays and Mondays. We will do it …

Wrap it up, coloring Kid football …

    Do you know the numbers of the players?

  • 1-19 for quarterbacks, wide receivers, punters and kickers
  • 20 – 49: Running Backs plus Defensive Backs
  • 50 – 59: Centers with more supporters
  • 60 – 79: defensive linemen and offensive linemen
  • 80-89: snug extreme wide receivers
  • 90-99: Defensive linemen plus linebackers

Now, you know the soccer game, coloring Kid. You learned the basics: soccer history, soccer fundamentals, soccer organized structure, player skill levels and soccer season …

So get into a soccer coloring game with other kids.

Play hard. To laugh out loud.

Tours Travel

LAX to SFO Flights – The Fastest Way to Travel from LA to SF

The easiest way to find flights from LAX to SFO is to use a travel fare aggregation site and enter your departure and return dates. You can specify whether you want to search for economy flights or business class flights.

There are several airlines that offer this route between the two popular cities in California. Generally, the cheapest time to book a direct flight is approximately 17-21 days in advance. For connecting flights, it is cheaper to book 90 days in advance. There is usually not much of a price difference between buying a roundtrip flight and a one-way flight.

California is a big state: there are 347 miles between Los Angeles and San Francisco. A nonstop flight usually takes just under an hour and a half. Flights from LAX to SFO are cheapest during the months of July and October, and the most expensive in June. The price is constant during the other months.

Some of the many airlines that offer flights include:

• United Airlines

• American airlines

• Alaska Airlines

• AeroMexico

• Virgin America

• Ethiopian Airlines

• All Nippon Airways

• Singapore Airlines

• JetBlue

• WOW Air

• Border

• Delta

United offers almost 1/3 of the direct flights. Seattle, WA is the most popular connecting city for flying. Wednesday is the busiest day to fly to SFO from LAX. The most reliable airlines that have the highest percentage of on-time arrivals to SFO are Delta, American, and Alaska Airlines.

Car rental after your flight

There are many car rental and public transportation options to help you get from the airport to your San Francisco hotel. You can even combine a car rental and a hotel room with the price of airfare. Sometimes it is cheaper to do this than to try to reserve everything separately. There are plenty of budget hotels and inns to choose from. SF is an amazing city with famous landmarks like the Golden Gate Bridge, Fisherman’s Wharf, and Alcatraz Prison.

Do you need to leave your car in Los Angeles? Parking at LAX is reasonably priced. The airport offers short, long-term and inexpensive parking options. If you prefer to take public transportation, you can call one of the several taxi companies that operate at the airport or take a free shuttle from the Metro Green Line station.

Flights from LAX to SFO are available during the day and night, so there is room for flexibility. You should be able to easily find an affordable airline ticket, regardless of your itinerary. While last minute discounts are rare, you never know when one might show up.

Use Travelocity’s search feature to find and compare discounted flights from LAX to SFO. The site is very easy to use and you can plan your entire trip. You can also get cheap lodging and car rentals using Travelocity coupon codes.

Arts Entertainments

The main things you need to be good at judo

Everyone knows … well, almost everyone who knows that I started judo at age seven and quit when I was 13. My parents decided to move from Miami, North Florida to Pennsylvania and I had to say ” bye”. “What I was hoping for would be a great career in judo.

Well, what does all that mean?

Well first it means there MUST be another way to get good at judo without actually DOING judo.

I know it sounds ridiculous, but an athlete that I personally coach also took a long hiatus from Judo and we work together to build him up to the number one player in the United States in his division.


Well here’s a dirty little secret and I know you won’t believe me, but this is what I found out.

The sport of Judo is as much a “mental game” as it is a physical one. If you want to improve your judo you need to sharpen your mind !!

A professor at the well-known Duke University in the United States discovered that finding simple but effective ways to use your brain can help you process information, faster and better.

Now, what I’m going to tell you right now is crazy. BUT I am 100% honest with you and if you are an athlete, a coach or just want to get better at Judo, here are some things you should do today!


1. Read. That is correct – READ !!

The benefits of reading are enormous. Don’t just read anything. Read, “The Art of War” by Sun Tzu, read books by Aristotle, Plato, “The Prince” by Machiavelli. Read books on combat, business acquisition strategies, and things of that particular nature.




It requires strategy and tactics and knowing when to attack and at the right time.

Think about this. How many times has someone accused you of kicking them while practicing judo? Many, true. You want to know why? Because a timely kick is a foot sweep and a poorly timed foot sweep, it’s a kick! Read and sharpen your mind – you will be amazed at how your concentration will increase.


2. Play chess! If you don’t play chess, start playing. Get a book and learn. How often have you heard of a tennis, soccer, wrestling, or mixed martial arts match that looks like a “game of chess”? Heck, you’ve heard the reference many times, haven’t you? So if judo games are like chess games (and they are), why don’t you play chess?!?!?!

Let me share this inside story with you …

During the years 2003 to 2004, I don’t think you could have walked into the cafeteria of the Olympic Training Center in Colorado Springs, Colorado without seeing at least 3 or 4 chess matches at breakfast, lunch, and dinner.

Before and after practicing everyone was playing.


Because Ches game, like Judo, requires YOU to see things 3, 4, 5, 6 and sometimes 7 moves forward. You have to anticipate what is going to happen, you have to do and take CALCULATED risks, you have to do all these things while playing the game. Chess is the best (and might add the safest) way to get some ‘extra’ practice that will dramatically improve your judo. Just think of some of the best judo players and fighters you know. I give you a list:

Lloyd Irvin:

Lloyd was my Brazilian Jiujitsu coach, training partner and my judo student and then he became my judo coach. He has won several National Judo Championships and is a world Jiujitsu champion. And he was selected by the United States Judo Federation as the International Coach of the Year in 2002. When it comes to match strategy, he’s like a genius. He trains Ultimate Fighting Champion Brandon Vera and is known around the world as “The Grappling Trainer”. He gets up every morning and reads or writes to keep his mind sharp and aware of the many businesses he runs.

Jimmy Pedro:

Jimmy Pedro is a four-time Olympian, a 1999 judo world champion, and a two-time Olympic bronze medalist. He also graduated from the Ivy League, Brown University, is the author of a book, and runs and operates his own business.

Robert Berland:

Robert (Bobby) Berland is a 1984 Olympic silver medalist, graduated from San Jose State University and currently owns and operates a successful printing business in Chicago. He was also a coach on the 2004 Olympic team and I had the opportunity to speak to him on several occasions and he is “sharp” as a tactic. And while he is not a judo player, this man is a fighter and a prime example of why you should keep your mind sharp and also why you should take the time to add “listening to classical music” to your list.

****** Main point *******

(and honestly, just my opinion)

Instead of pumping rap, R&B, heavy metal, and rock-n-roll music through your eardrums, try some classical music.


Well, other styles of music tend to get you operating off an emotional high. Before competing, I never listened to music, I needed to think! I can’t think with the garbage in my head. It’s the equivalent of trying to focus on something and people are talking in the background. You can “focus”, but you have to use some of your mental energy to “block out” background noise.

I’m digressing …

Last but not least, be sure to check out …

Alexander Karelin

And if you don’t know who it is, you’d better find out IMMEDIATELY. From 1987 to 2000, he was UNDEFEED. He has 9 world championships and 3 Olympic gold medals. He is also a Doctor of Philosophy (Ph.D. in Education). He listens to classical music regularly and is also an avid chess player. And at JUDO, our job is not just to advance in judo, but in life.

The lessons we learn in Judo and from Judo should allow us to build quality character, good self-esteem, quality morals, strong ethics, and good citizenship.

I discovered that the most important thing you must have to become a great judo player is the ability to get fit and the willingness to learn.

An open mind and a fit body – those are the things you need – FIRST !!