Vijay F1 Mallya has bought Spyker team? the

Discussions are definitely going on. There are reports emerging of discussions between showman industrialist Vijay Mallya and the Spyker team. If true, this may mean an all-Indian driver pairing in F1 soon. Other reports say that Mallya has already about the Spyker F1 team.

Make Martinez Season First Pedro Start on (9/3) of To Monday His the

now after four dreadful games in Philadelphia. Now that they have allowed the Phillies and Braves back in the race, now that their hold on first place has been compromised. ... now finally, the Mets plan to make some noise in the National League East. ...

WWE Dean Simon Fires

Of all the WWE wrestlers who are under fire from the drug probe, the one that was the "easiest" to fire, Simon Dean, has been terminated from the company.

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Smack Modern are the Reality #1: Sports Law Stars Above of

The answer may surprise you. But why does this continue to happen? In this edition of Smack of Reality, the focus is on sports stars, such as Michael Vick and Pacman Jones, who feel they can do whatever they like, and usually do.

Quarter: at Redskins Washington Fifth Jacksonville Jaguars

The Jaguars struggled early against the Redskins, but a consistent passing attack and a solid defense by the Jags in the second half. . . Surrounded by trade rumors, Mark Brunell played in Jacksonville for the first time since joining the Redskins, and on Thursday night he made his case for taking a spot on the final roster.

Παναθηναϊκός : (τελ.ενημέρωση Ολυμπιακός 31/08/07) -

Παναθηναϊκός - Ολυμπιακός (τελ.ενημέρωση : 31/08/07)

Johns Takes Andrew Drugs

After the Andrew Johns Rugby League Drug Saga Goes Public, read comments by a 15 year old girl on how it affects the public and herself.

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On Wednesday night, David Beckham’s first MLS season with the LA Galaxy came to an early end.

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The NHL are to play two regular season games in London at the O2 Arena

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in hopes of finding a "final solution" regarding the fighting home of heavyweight Fedor Emelianenko, the Russian's management team, which includes Vadim Finkelstein and Apy Echteld, are scheduled to meet with UFC officials Thursday in Las Vegas to discuss a deal that would bring the PRIDE Visiting the U.S.

Football Lunatic's The Guide to College Soccer) (NOT

Crawling fan message boards for trash talk, insider knowledge, and photos of Darren McFadden's car.

League Champions death to Puerta tie postponed due

European football’s ruling body UEFA has granted a request by Sevilla to postpone their Champions League tie Tuesday against AEK Athens following the death of Antonio Puerta.

Rise Shall Vick Again

Another take on the Michael Vick saga.

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No he's not a homosexual, his name is "Gay"

Champion’s A Racing GREAT Idea! Tour… What School Old The

I just found out about a new stock car racing series for 2008… one that you will NOT want to miss if it comes anywhere near you.It’s “The Old School Racing Champion’s Tour” (www.OSRCT.com)!

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See 64 of the Australia's best street skateboarders showcase their skills this Saturday 1 September at Custom House Square, Circular Quay...

streets hit products! Skateboards new the Metropolitan with

The newest skateboard decks and t-shirts will be put out on the market at the beginning of October 2007. The relatively new company Metropolitan Skateboards located in Rouen, France has been working hard the last two years on their line-up of products and developing a skateboard company with credit.

Even Still Couch Sucks With Steroids, Tim the of Help

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off Hawaii season kick 2007 Warriors University of

They are the pre-season favorite to win the Western Athletic Conference after coming in second to undefeated Boise State in 2006. The University of Hawai‘i Warriors enter the 2007 season ranked at 23 with high hopes and higher expectations. If you are in Hawaii come on down to Aloha stadium on Saturday from the football in paradise!

Flight Zero-G Experience Weightless

Experience Weightlessness Like in Space Travel. Like Nothing on Earth! Treat yourself and nine of your closest friends or family to Go Weightless with a Zero-G Weightless Flight!

Soccer FIFA the World 2010 Africa Host Tournament South Cup

Throughout the years of apartheid soccer gave the people of South Africa hope and a since of excitement when there was little to be excited about. Soccer withstood apartheid,With the first non-white soccer association being formed in 1903 (SA Indian Football Association) the SA Bantu Football Association was formed in 1933 and the SA Colored

Bashing the NL Central

The NL Central sits at the bottom with a win-loss percentage of .476 compared to the NL West with .519 and AL West with .522. The NL Central has been hit pretty hard this year by the media and for the most part, its well deserved.

Caught Salmon Kokanee Whopper Record Lake Nantahala from

Photo included in report. In three trips to Nantahala Lake this month, Mark Swann has managed to reel in two kokanee salmon state records.

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There should be a CFL videogame sign the petition if you agree.

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A system for implementing a college football playoff to determine the National Champion.

Vadim sign Stars officially Khomitski

After about a month since a report was filed on a Russian Prospect website, Dallas officially announce the signing of Vadim Khomitski to a one-way deal. Should be interesting to see how this plays out, with the overabundance of defensive talent, and current hole in offensive talent.

Helmet to Old Change Ten Law Starting Year Petition

A motorcycle accident took the life of a Boise man last week and now his 10-year old daughter is on a campaign to change Idaho's helmet law.

the Blog! 2007 Characters Photos Summerslam - WWE

A great batch of photos from WWE's Summerslam 2007 event, which took place this past Sunday August 26, 2007 in New Jersey.

Inter 0 Milan, Joan trofeo Barcelona FC 5 de - Gamper

1-0 Ronadinho (p) 2-0 Giovani Dos Santos, 3-0 Toure Yayá 4-0 Iniesta, 5-0 Motta

Vick from Falcons seek $20M

The real question: how much can they claim? The Atlanta Falcons formally sent a demand letter to Michael Vick on Monday, asking to recover $20 million of the $37 million in total bonuses paid to Vick.

Unveil Vancouver Jersey - Edge Reebok New Canucks

The new Vancouver Canuck Reebok (RBK) Edge jersey has been released.

edition unveiled Astra OPC Opel Nurburgring its hatch

The car features decent 0-60 acceleration time and nice styling but will sell only in Europe.

Lessons Dancing Salsa

Great resource for new salsa dancers

Israel in Krav Maga

Krav Maga in Israel - video presentation

in time completes record Fastnet Leopard

Against all the odds, ICAP Leopard, a 100ft sloop, has become the first yacht to complete this year's Fastnet race and has done so in record time.The yacht, owned by Mike Slade, arrived at Queen Anne's Battery in Plymouth at 0858 BST this morning, completing the 608 mile race in a record 44 hours and 18 minutes, cutting a significant eight hour

inspiration Ford Pontiac draws from

Inspired by the sci-fi TV series Knight Rider, the new Ford Focus ST Black Edition is black, mean and menacing.

PKR Rakeback Code

We can offer you a special rakeback code where you get 15% of the rake and a $50 bonus at PKR:rake15But you will have to enter it on your first deposit!

Horseback Riding Belize Holidays Jungle

Aol Travel highly recommended Jungle Horseback Riding Holiday in Belize, Central America

Golf Grouchy Blog

Grouchy Golf Blog, Ben Hogan in his window story.

Follow Your Jets on New Team 2007 York - iTunes NFL

The NLF season is coming a little early this year as the NFL has put up the Follow Your Team videos available on iTunes.

David Report Finals Sirlin's 2007 Evolution

David Sirlin's personal experiences at the EVO 2007 World Finals fighting game tournament, in Super Street Fighter 2 Turbo.

Pick Report: 1 linked to Couch Former Tim # steroids

1 NFL draft pick Tim Couch had doping regimens that called for anabolic steroids and human growth hormone, according to documents obtained by Yahoo.com. Former No.

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Johnnie Walker Championship takes place this weekend preview and latest betting news

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Schedule List Cup World Fixtures - Rugby

With the Football Rugby World Cup less than 10 days away, there is a complete list, of all the Rugby World Cup games, including stadium info, team profiles and more!

Nursing Choices Field

Nursing Field Choices by Joseph Then Do you know that it takes to be a nurse? Do you know the various activities and occupation hazards they are facing each day?In the nursing field, you are prone to many different things in daily activities. When you are one of the many nurses out there in th

defence start title Inter miserable to suffer

Inter Milan suffered a miserable start to their Italian title defence on Sunday when they were held to a 1-1 draw at home by Udinese and finished the match with 10 men.

Big Preview Predictions 2007 East and

Will Bobby Petrino's absence create a step back for Louisville? Are the South Florida Bulls ready for national attention and challenge for the Big East? Will West Virginia's loaded offense overcome their defense and win the Big East? Will Rutgers continue their success with 8 home games this season? Read the Big East bloggers predictions for the se

Elbow One No Ever The Greatest Saw…

The Greatest Elbow No One Ever Saw……Because it’s soccer.

a up Certified Sound THX Set Cheap System

A room busting THX Certified Home theater system doesn't have to completely bust your budget. Although some THX certified theaters can easily sell in the $10,000 + range, a smart consumer can put together a great sound system for under $1000.

initial tyre failure Bridgestone's findings on Hamilton's

Bridgestone's initial findings show that delamination caused by 'chunking' caused Hamilton's tyre failure.

PUERTA ANTONIO MUERE

tras mas de dos dias ingresado muere Antonio Puerta, jugador del Sevilla F.C.

2007-08 (Crowd) Venues in Toughest SEC Road

This is an awesome discussion about which SouthEastern Conference basketball venues are the toughest places to play because of the atmosphere and crowds.

your leap of 3 if as rep was sets increasing 25 vertical doing easy as only

Increasing vertical leap is one of the hardestthings man can do -- it's like launching a rocketon a NASA space mission! You'd better startbelieving there's more to it than bouncing aroundlike a Mexican Jumping Bean with it's head cutoff.

from for signs Paulo Edcarlos Sao Benfica

He is well known in Brazil by his defensive qualitys, but also by his attacking skills.On Benfica squad he will havo to “fight” with Luisao, David Luis, Zoro and….Miguel Vitor, the young player that left This young central defender (22 years) was playing in Brasil, in São Paulo and had been already noticed as a Benfica hot deal.

Storage Information The Boat Best

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How Pool howtoplaypool To Play -

Funny article on how to play pool. Big Brother video, nice touch!

Review Round 21 AFL

Port Adelaide ends Geelong's streak with winning goal in final seconds

Payback $37 Time Bonuses On Faces Vick Million

The Atlanta Falcons informed Michael Vick and his representatives in a letter yesterday that they intend to force the quarterback to return a portion of the $37 million in bonuses that his 10-year, $130 million contract contains.

Open: Federer US and to Second Advance Isner Round

Two of the inform players of the American hardcourt summer, Roger Federer and John Isner, have booked their places in the second round, with wins this afternoon.

Running of Sins The Gluttony Back

Writer Matt Moore discusses the merits - and pitfalls - of the 'tried and true' method of selecting a pair (or trio) of Running Backs in your Fantasy Football Drafts, often to the detriment of the rest of your lineup.

Catching NFL Made Easy Madden Manually 2008:

SportsGamer breaks down why manually catching this year has never been easier.

Blows Mussina Lose Yanks 16-0, It

0-3 in last 3 starts for mussina Mussina doesn't give the yanks any relief.

Evening 5 Dump: Take

Blurbs and Links from around the blogosphere...

Press Chicago Briggs' Conference: Lamborghini Bears Crashed Expressway On

Lance Briggs has some serious explaining to do!State Police will soon determine if he was driving......

Shops Out Bicycle Checking

I love bikes. Bicycles of every shape, color, type and size will draw me like a fly to honey, so it took me a few years to discover that I do have a preference for particular kinds of bicycle shops.

Fortwo unveiled Brabus 2008 Smart

With a reengineered 72 kW/98 bhp three cylinder turbo engine the smart fortwo BRABUS and the smart fortwo BRABUS Xclusive continue to boast low fuel consumption of just 5.2 litres per 100 kilometres, yet they have 30 percent more power than the predecessor model. The BRABUS models of the new smart fortwo are ready to hit the road.

to in Lesnar UFC compete the

"I am pretty Lesnar met with White, who was very confident after his meeting with Lesnar. Former WWE champion Brock Lesnar, known to wrestling fans as "The Next Big Thing," followed through on his promise to attend UFC 74.Lesnar said that he wanted to see Couture up close and in person, but that was not the only reason Lesnar was in attendance.

Champions Midweek League Preview

Focussing on the games involving British teams, Liverpool, Arsenal, Celtic and Rangers. Preview of the betting market ahead of this week's crucial Champions League matches.

Agrees Vick Mike to Plea

Still no word on his sentence, or whether he actually understands that he is going to soon be incarcerated, but he did meet with media to give a speech (which he refered to as an interview), and stated that h Mike Vick agreed to his plea today.

Hero Playing With Golf Your

He then leads on to techniques and tips we can all use in our golf game to control the nerves and pressure of playing golf with a hero. Have you ever played golf with a hero? A superb read and a great insight. George Beardsley a top reaching pro from Florida talks about the experiences one of his students had at a recent LPGA event.

Week of on This Footballguys.com (Week 8/25/07)

Check out what Footballguys.com has been up to this week.

from want Falcons The back their money Vick

bad situation for vick

Advice Coaching

Should children play for fun or play to win?

2007 won Game Skate éS of european by final ...

Sometimes history just repeats itself, people win the lottery twice in a row or skaters like Alex Mizurov just have the skill and the nerves to nail a second win in a row after 2006 and become the european éS Game of Skate champion yet again. ….mirror mirror on the wall, who is the éS european Game of Skate winner of them all?

Wellness for Walk

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at anger silver Blonska Sotherton

British heptathlon bronze medallist Kelly Sotherton has called into question Lyudmila Blonska's World Championships silver medal.

gets Beckham cut biggest

DAVID Beckham shows off his second new haircut in TWO weeks — on the day it emerged he will be paid more than TWICE as much as the rest of LA Galaxy put together.

countdown begins! Series to puck drop Summit 2007

A short preview of Summit Series 2007, an international ice hockey series featuring the best of the Canadian junior hockey ranks against Russia's top junior players.

Curses version) (audio Reporter Myers Out Brett

Listen to Brett Myers curse out a reporter in the locker room after a game. *Warning* Lots of swearing and inappropriate words.

the Pushing Site for Bowl Miami-Dade Orange

Oh, and they contacted MLS about a dual purpose stadium. Miami tells the Marlins to forget about downtown and start thinking Orange Bowl.

with Feet Running Clay

Can the Cubs hold on, or is another collapse forthcoming? The Chicago Cubs continue to cling to first place in the Central Division despite themselves.

Update Popcorn Addicts for Mets

$10 admission. Hey! Next Wednesday (8/29) they will be screening a Mets vs. (btwn 6th and 7th). Phillies game at the Ziegfeld Movie Theater on 54th St.

The world game most in funny the

There is a variety of paintball gear required when playing this sport, not just the paintball gun or marker. To help ensure you have all the proper equipment for this action-packed sport, below is a list of gears each person must have before he or she plays the sport.

Kid Teach A To Fish

http://www.takf.org/ Please support Take A Kid Fishing.

Squats Hindu

After years in the gym training with weights I m going to try out some home exercises, like hindu squats, that don t involve equipment.

in for Race the of Komen Get Running Cure Komen the It team

dont' worry, I know exactly how you feel, my mother "persuaded" me to also participate in this walk...but it is for a great and worth cause!!!!

Announcers Best 5 NBA

The games will be fun to watch, but the announcing can enhance (or detract from) the viewing experience. Here are my top five NBA announcers. Feel free to send me your list. The NBA playoffs have started, which means plenty of couch time in front of the 32-inch high-def LCD screen.

Race Leffler, Reutimann To Series Bristol Busch Holds Kahne Win Off

With his tires going away, Kahne held on in the closing laps, withstanding a last-turn charge by both Leffler and Reutimann to get his first NASCAR wi He had to sweat out 250 grueling laps and a nail-biting finish, but Kasey Kahne managed to come away with the win Friday night in the Food City 250 NASCAR Busch Series race at Bristol Motor Speedway.

Soccer Blog [ Com ]: Milan's Shahir's Bl Powered Dot Half by Friction First

A goal from Massimo Ambrosini and two from Kaka saw Milan run out 3-0 winners over a brave Genoa side. The Rossoneri were put under tremendous pressure in the second half, but defended solidly to make it a great start to the season.

Librarian Way (SATIRE) Too Into NASCAR School Elementary

-- Towson Heights elementary principal John Stephens is dealing with a significant quantity of mild complaints from parents regarding libarian Susan Shelson's obsession with NASCAR."The 'America's New Mount Rushmore--Earnhardt, Jr.; Gordon; Stewart and Kahne' unit was not particularly well received," Stephens stated. TOWSON, Md. "Many parents ...

Vince 2007: Carter Profile Fantasy Basketball

Though with this particular entry, if you are looking for hard-core statistical analysis, you won't find it here. This site's mock draft for the 2007-08 season rolls on with the seventh pick in the third round.

Santiago, viento popa. en

La selección varonil de baloncesto de Santiago de Cuba siguió su curso triunfal en el Torneo de Ascenso al conseguir este sábado su cuarta victoria consecutiva, tras doblegar al conjunto de Granma con marcador de 100 puntos por 85.

Liverpool August 2007 Tuesday v 28 Preview Toulouse

Liverpool take on Ligue One outfit Toulouse at Anfield after a narrow 1-0 victory in France two weeks ago.

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Tottenham vs. Manchester United

Tottenham match. A preview of the Manchester vs.

Couture defies the 74:Randy odds… UFC

Despite being 44 years of age, Randy “The Natural” Couture continued to defy the age barrier by beating a younger, bigger, and supposedly stronger opponent in Gabriel Gonzaga.

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Many RC cars enthusiasts will run to buy RC cars without basic knowledge and end up with days of headaches. This site give basic information on RC cars.

OUT CHECK THIS MICHAEL CARTOON OF VICK

THIS IS A FUNNY CARTOON OF MICHAEL VICK AND HIS SUPPORTERS

Lesnar challenge a UFC in makes and coming is December to Brock

"I want to fight somebody that's got credentials, because I've got them too. There isn't a wrestler, there isn't a heavyweight out there my size that has done the things I've done."

Home Trout - Fishing Tips

Another great blog offering you some great tips on how to catch trout.

Sunday France August Warm Cup v Match Wales Up 26th Final World Rugby

Today will be the final Rugby World Cup warm up match before Official Rugby World Cup games begin on the 9th of September. Later today we will see the host nation France (who are on top form) take on the Red Dragons of Wales.

necessary effort? Is salt during intake

Is salt intake necessary during effort?

Boston Arrested DUI David for

Here are some details from the scen Apparently, steroids wasn’t enough for David Boston in his attempts to piss his career even further down the toilet than it already is, who was arrested Thursday night for driving under the influence.

Microsoft WGA server down! Results in un-genuine vista copies.

Beginning August 24th some copies of Microsoft's Windows Vista were flagged as counterfeit and re-validation was required only to be directed to contact Microsoft support during a business day! The problem starts when you try to run an update from Microsoft. Diggers we need your help to give MS a wake up call.

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Daily Show: Bush's Magical History Tour

Last night Jon took President Bush to task for the disgusting distortion of history he employed Wednesday to justify his endless war in Iraq. Little does Bush know (not surprising), we keep the tapes from earlier in his presidency where he dismissed outright the Iraq-Vietnam comparison. The shameless propaganda knows no limits.

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Internet Expert says internet is flooded with "top 10" lists

Today an Internet Expert said he is sick of top ten lists on digg.

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Owners Report Xbox Malfunctioning for the Second Time

About 50 users of Xbox reported device overheating and smoke coming out from it after plugged in.In addition Microsoft announced the replacing of 230,000 control wheels for the video game console.

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NFL more thank very says much. no niggers, you

Nigger 524167 (Michael Vick) becomes inmate 66175.

Season Poised at Porsche MOSPORT Penske to Take

Romain Dumas, the Frenchman pulled the fastest track times in trials at Mosport on Friday. The Penske Porsche team is poised to run away with the ALMS Season.

nuevo. triunfó de Santiago

El quinteto de Santiago de Cuba mantuvo su buen desempeño en estos comienzos del Torneo Nacional de Ascenso del baloncesto varonil cubano al conseguir ayer su tercera victoria, en igual número de salidas a la cancha, tras propinarle derrota a domicilio al representativo de Granma...

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Latest games, cheats, add-ons, gadgets

Hey dude, what do You think about some new games stories?Whether you're looking for Free Games, Music, Movies ; We will expose you to all of the latest downloads.Is your Warcraft character poor with no money?What If I Could Show You How To Make up to $120 Dollars Per Hour Playing Video Games From Your Home...

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Bank The To Blogging

There is nothing in this guide that can't be accomplished by even a complete novice to internet marketing but even those with experience might learn something, like I did. These tips should be the top priority of anyone that wants to make money online.Most other ebooks tell you about SEO but the detail in which blogging to the bank does makes it so simple to follow that you can hardly fail and the same goes for getting traffic to your blog. These are fairly common steps in most guides though it is explained superbly in blogging to the bank.What really makes blogging to the bank special though is the sections on search engine optimization tips and on how to get traffic to your blog. Blogging to the bank shows you several methods that get targeted traffic to your blog easily and quickly with great results.I now make more from my free blogs than I do the websites which I spent good money on and all the credit for that goes to blogging to the bank and in all honesty I believe anyone could do the same. This is what blogging to the bank is about, how to make money from a free blog.There are plenty of internet marketers around that have spent fortunes on creating websites but blogging to the bank explains that you don't need to do this to make a fantastic and easy income, and that's why I decided to try blogging to the bank.I myself have spent a fair amount of money on making several websites but after hearing so many commenting that they had made money from free blogs I decided to give it a go, but I decided to get some advice to show me the best way and that is when I was recommended to blogging to the bank.The first great thing was that this wasn't another book written by the "guru's" blogging to the bank was instead written by a regular guy just like the rest of us and because of that he doesn't talk to you like something he's scraped off of the bottom of his shoe.A lot of the information was familiar to me but to a complete newcomer I could see it would be fantastic advice as blogging to the bank was very extensive and informative.Blogging to the bank explains how to research and select a topic (niche) for your blog and then how to get easy content and placing ads on the blog. Like any good guide the philosophy of blogging to the bank is that you don't have to work hard just work smart.To learn more visit the site here Blogging to the bankIf you'd like to learn more about the programs that can and can't help you to make money at home on the internet then take a look at http://work-at-home-options.blogspot.com Nowadays every one has heard of blogs but what so many fail to realize, and capitalize on, is that they can also be a great way to make a nice income. All they need to do is follow the step by step guide that is blogging to the bank.I highly recommend any readers of this blogging to the bank review to give this serious consideration.

Make Taking Surveys Can Online? Money Person A Really

Those that see it and think is is too good to be true and a scam lose out on a great opportunity to make a little money and and those that join ask for a refund because it hasn't made them the fortunes they where told existed- and then they post on forums that they are a complete scam.Can a person really make money taking surveys online? But which claim is true and can a person really make money taking surveys online.First off if you see anyone claiming they are making $10,000 a month for just an hours work a day then make a swift exit away from the site as these claims are just complete BS - yes there is a handful, and I mean a handful, of people that DO make this a month but it certainly takes more than an hour of there time a day and the amount can never be guaranteed every month as they are totally reliant on the companies providing those surveys.So why do people make these outrageous claims? Online Paid Surveys seem to have such a mixed reaction across the internet - on the one hand you have those that are quick to claim that there is no such thing as legitimate paid online surveys and that it is just one giant paid surveys scam, but then again there are just as many that claim legitimate paid online surveys do exist - and that they make a fortune from them. Simply for there own gain as sadly amongst internet marketers there are those that simply don't care about honesty and will hype something up as much as possible to make a sale - it ain't my style and there are a lot of others like me who are completely honest but unfortunately not everyone is the same.The problem is that these over hyped sites and ads are giving people the idea that online paid surveys are totally amazing or a complete scam. The more legitimate paid online surveys companies you sign up with the more money you will make, for this I'd recommend joining a membership directory I'd say Maximum Paid Surveys is the best one around but that's just my opinion, but just don't expect to make as much as you would from a full time job - at least not until you've established yourself.If you'd like to learn more about the programs that can and can't help you to make money at home on the internet then take a look at http://work-at-home-options.blogspot.com Definitely but just don't get carried away with the idea of how much money is available to be made.

Cities Expanding Up Not Out

There is a movement happening in most major cities and unlike previous years the movement is going up not out. For much of the 1900's cities underwent a rapid outward expansion that continued right up to the turn of the century. However, in recent years cities have seen more upward expansion as many cities have expanded as far as they can reasonably go. In more populated areas of the country city limits of one major city reach clear to the limits of the next major city. Years ago there was plenty of farmland and smaller towns to separate cities but expansion and population increase has taken care of that handily. It stands to reason that the only way left to expand is up. Hence we have the modern high-rise condo.

High-rises have evolved dramatically over the years and have really become one of the more attractive housing options on the real estate market. Offering a huge array of extras and additional assets that are literally impossible for a standard home to offer with a spectacular price tag, the condo has finally arrived en masse. "Well," you say; "condos have been around for years." This is true but the evolution I spoke of earlier has dramatically changed the face of the condo industry and these new developments bear little in common with the condos of 20 years ago. The name is the same but the idea and execution has changed. Condos have moved towards a more all-encompassing theme supplying residents with more and more with each innovative development.

This new age of condos is easy to find in any city as the exterior design has evolved right along with the upgrades in interior architecture and design. These modern wonders reach into the sky with steel and glass overlooking the cityscape. With such a huge number of condos going up in almost every city across the country there is an excellent selection of condos in just about any style imaginable. When looking for a new home you would be missing out if you didn't consider the condo developments in your city.

Author: Andy Asbury

Learning How Money Works - It Makes Sense

Whether it’s birthday money, compensation for raking leaves, or Chanukah gelt, children often receive loose dollar bills and lots of jingling change. Yet rare is the yeshivah or Bais Yaakov that offers a class teaching them how to manage their small fortunes.

And so, the money ends up stuffed into a desk drawer, or worse, spent at the next possible occasion – be it the vending machine, a trip to Toys “R” Us, or those quarter machines in front of the local grocery – depending on the child’s temperament and the spending habits witnessed at home.

Since children won’t learn how to manage their finances through osmosis, it’s important for parents to have a “big picture” plan for teaching their children to lead a financially fit lifestyle. The lessons ingrained in them as children – such as the importance of saving for a rainy day – will be carried with them through life.

Here’s the basic long-term plan, which can be customized to suit your family’s financial situation:

Step 1: Begin with mason Jars
Step 2: Open a Bank Account
Step 3: Invest in a Fixed-rate CD
Step 4: Switch to an S&P Index 500 Fund

(Please note: We will discuss steps one and two in this issue, and steps three and four in the next issue.)

Step 1: Begin with Mason jars

Start early to teach your children the importance of saving.

As soon as your child receives some cash, ingrain within him the importance of dividing his money into three categories:

10% maaser, to be donated to the tzedakah of his choosing.

Short-term savings – encourage your child not to spend his money immediately. The pleasure of a new game is often short-lived. In fact, children change their minds so frequently that you may find it helpful to get them into the habit of waiting 24 hours before buying something, to see whether they still want it.

Long-term savings – at least 10% should be placed in his piggy bank for safekeeping, with a long-term goal in mind – be it a bicycle, new sefer, CD player, or anything else he’s been dreaming of.

“The way we educate our clients to teach their children about saving is to use a simple, visual system of mason jars,” says Kraig Kast, the CEO of Atherton Trust, a wealth management firm. “By using jars they can see how they are using their money, see their savings grow … they learn about saving and investing using this system and relate it to work and effort.”

To incorporate Kast’s recommendation, set aside two mason jars for each child (recycled glass or plastic mayonnaise jars work well) and a tzedakah box. Reinforce math skills and teach the importance of chessed by first calculating 10% of the total sum, to be donated to tzedakah. (Consult your local Rav regarding specific questions regarding giving maaser.)

Then, discuss with your children how they would like to spend the remaining 90% of the money. At least 10% should be saved for a long-term goal. Still, “the percentages are less important than the observation of where money is going and the discipline of putting the money into the jars and spending only what is in the jar,” Kast says.

Step 2: Open a Bank Account

Open a passbook savings account for each of your children, and watch as their money grows.

When your child turns five or six, schedule a trip to your local bank, suggests Stanley Kershman, a respected bankruptcy attorney who wrote Put Your Debt on a Diet: A Step-by-Step Guide to Financial Fitness and who is also known as the “Debt Doctor.”

Open up an interest-bearing passbook account with a few hundred dollars (make sure you meet your bank’s required minimum deposit), advises Kershman. Be sure to show your child the passbook every month – so that he can see his money growing every month, and learn the value of delayed gratification.

“This gives them a start to setting up a savings program,” says Kershman.

Also, encourage him to make regular deposits at least a few times a year. At this point, you can begin depositing the “long-term goals” money in the savings account, since any long-term savings should be earning interest.


Hoarders and Spendthrifts: How to customize your teachings to your child’s nature

Just as with all other forms of education, financial education needs to be suited to each child. As Shlomo Hamelech stated, “Chanoch I’naar al pi darko – educate each child according to his nature.”

When it comes to money, children typically fall into one of two categories: hoarders or spendthrifts. Often, two siblings will treat money entirely differently from each other, despite the fact that they are growing up in the same household.

Chaim is a serious and thoughtful twelve-year-old. He never seems to spend any money. When he receives a few dollars, he hides it in an envelope in the back of his dresser, where it never sees the light of day – except, of course, when Chaim routinely retrieves the envelope to count his growing wad of dollar bills and coins. When Chaim is asked to contribute to a birthday present for his mother, he begrudgingly hands over the requisite sum, reluctant to part with his hard-earned money.

Yosef, on the other hand, loves to give money away. Generous by nature, this ten-year-old frequents the local kosher grocery near his school during recess and brings home handfuls of fruit-roll-ups as presents for his sister. But money burns a hole in Yosef’s wallet. As soon as he receives money, he quickly spends it – often on unnecessary items such as soda from the vending machine (which his mother isn’t too happy about).

Though they are brothers, Yosef and Chaim have very different attitudes toward money. It’s important to note that neither boy’s temperament is better; each has its good points and its challenges. Chaim’s thrifty ways mean that he saves money – which is good. But it also means that he has a tendency toward frugality. Yosef is very generous and thoughtful – both qualities that should be reinforced and acknowledged. But his generosity can get out of hand, causing him to be a spendthrift who never has money saved up for when he really needs it.

“It’s their money, so I let them decide [what to spend it on],” advises Carrie Carter, the author of Think Your Way to Riches, Kids’ Style, who wrote the book to help her three granddaughters become financially fit. “Still, I reason with them.”

You also need to take into account the nature of the child you’re reasoning with, Carter says.

If you child is like Chaim, a hoarder, encourage him to have a long-term goal. Ask him: “What are you saving it for?” Money should be seen as a means to an end, not and end unto itself.

If you child is more like Yosef, a spendthrift, understand that he enjoys “the fast fix.” Reason with him by giving him clear choices: “You can have a cheap toy at the counter now, or I’ll give you money towards a bike later,” is one example she gives.

“We should be teaching them from an early age to have long-term goals,” Carter emphasizes.


Quick Tips for Teaching Your Kids to Save

1. Be a good role model. Set a good example being on top of your finances; it’s the best assurance that your children will do the same.
2. Play games. Encourage children to save by playing games like Monopoly and Life, which reinforce the skills of saving and investing and require others like addition, subtraction and counting. You could also set up a pretend bank with paper Monopoly money or spare change.
3. Share your family finances with your children. You don’t need to whip out that Excel spreadsheet. But when your child asks you to write a check for a field trip or school event, take the time to explain the concept of the money behind the paper you are signing.
4. Budget and comparison shop. When you run halfway across town to stock up because there’s a sale on pasta, casually mention the price difference to your children and explain why it’s important to be budget-conscious. When purchasing big-ticket items like a new camera, encourage your children to help you comparison shop for the best price.


Should you give your children an allowance?

According to financial expert Stanley Kershman, the answer is yes – otherwise, you are leaving yourself open to becoming “the world’s biggest piggybank.”

Allowances teach children the value of money and help them learn how to budget smaller denominations.

Plus, “any mistake they make will be minimal,” Kershman says.

They’ll learn how to make spending choices, and prioritize their needs and wants, he adds.

Naturally, parents must decide what’s best for their children, taking their financial situation into consideration. But even meager allowances, or paying children for helping out around the house, shteiging away or getting good marks, can pay off big-time when it comes to teaching them the basics of healthy finances.

Carrie Carter:
Author of: Think Your Way to Riches Kids’ Style
Author: angiezk1688