"Kelly Jayne Smith", Order of the British Empire/MBE is an England/English association football/football forward (association football)/forward currently in her third spell with FA WSL club Arsenal L.F.C./Arsenal Ladies. A product of the American college system, Smith broke records with Seton Hall University then played professionally with Women's United Soccer Association (WUSA) franchise Philadelphia Charge. After returning to Arsenal for a spell which included a 2007 UEFA Women's Cup win, Smith was tempted back to America with another professional contract, this time with Boston Breakers (WPS)/Boston Breakers in Women's Professional Soccer (WPS). She has accumulated over 100 caps for the England women's national football team since making her debut in 1995. Despite being hit by serious injury during her career, Smith is England's record goalscorer with 46 goals. She played for Great Britain women's Olympic football team/Great Britain at the Football at the 2012 Summer Olympics – Women's tournament/2012 London Olympics.

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Whether its advantageous to pre-pay depends on the age, lifestyle, individual family preferences and future plans of the family. If you're 35 to 40 years old, in mid-career and don't know where you are going to be in 5 years, it's probably not the best idea.

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We're happy with a win. We needed a win real bad.

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We are an inexperienced team with lots of potential.

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It was an ugly game of basketball. Both of these teams struggle with scoring. I'm happy with the fact we put 38 points on the board, we've been averaging 25.

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While planning ahead is essential, sometimes people forget that there are prepayment options as well.

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There really has not been anything that has made it to the market that has shown a true difference.

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I was a nervous wreck all day and tried to be positive to the guys by not showing my skepticism. I love these guys and we've been through too much together. They've hated me at times because of the yelling and screaming. But now with the championship, they'll realize what I was trying to do for them.

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Prepayment and preplanning is a big trend.

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If you walk into a funeral home, engage in a conversation about funeral arrangements and the director has not provided you with a price list, ask for one. And if he does not give you one, you should walk out.

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