In less than 20 weeks from now, we will enter year 2012. Year 2012 is a leap year where some people predicts that this year could be the end of the world based on Mayan Calendar. I don’t believe it. A calendar is a calendar… It is a passive tool to help us doing anything with time reference in this world either planning forward or seeing backward. Without a calendar, you will got some difficulties on planning anything. And it is already started a thousand years ago when ancient people developed their own method to plan or doing anything based on natural signs that could give them time references. Like moon position, star or sun position, animal behavior, rains, etc. These signs have helped them, for example, to predict a good time for animal hunting, to keep staying in their house on winter season, to go farming etc.
We are living in modern world now where we don’t need to see natural signs to plan anything. Experts are already doing this for us. And with the help of internet, you can find many tools that will help you planning anything where calendars are one of those useful tools. Here, you can download several type of 2012 calendars that can help you make your plan for next year. But, these are not perpetual calendars. These are just fixed date calendars with custom event functions which is the same with the previous 2011 calendar templates.
Finally, Lega Serie A TIM release its Serie A fixtures for season 2011/2012 (Serie A Calendario 2011/2012). I can wait to see AC Milan, Internazionale, Juventus, AS Roma are fighting for serie A crown. Will the crown is taken by those teams? Or will Napoli, Udinese or Lazio surprise all people by beating them to lift the crown?
But, there is a bad news for team who grab the 4th position. It will be handed a europe league spot instead of champions league spot due to Italian Football coefficient is drop below Germany Football coefficient because of Germany teams performance are better in both Champions and Europe League tournaments. So, it is a challenge for Italian teams to play well in Champions and European league this season to bring back their 4th Champions League spot again.
Loan amortization is a method of debt repayment in equal installments over a specific period of time where the payment amount consists of paying principal and interest with different amount every month. The payment amount of interest is gradually decreased and the payment amount of principal is gradually increased, and will be become zero amount by the end of payment period.
It is not easy to explain loan amortization concept to general people who don’t understand finance. Usually they just think that the principal and interest are paid in the same amount every month, so when they plan to pay off their home loan before their loan period ended, they got shocked by the remaining principal they have to pay because of poor knowledge of loan concept.
You can find several free loan amortization tools in internet, either written in Excel, online, or written in other programmes, to be used for your personal purposes. I was writing three tools for calculating loan amortization that you can find in my previous posts. Perhaps you have downloaded them. And I think those tools are simple enough to help you calculating your mortgage payment.
This is another loan amortization tool that I tried to display it in dashboard style. I have finished it at the same time I finished F1 dashboard, but I haven’t had spare time to upload it in my site. And this dashboard works well if you are using Microsoft Excel 2007 or 2010.