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Eredivisie Fixtures 2011/2012

Posted on July 25, 2011
Filed Under Soccer, Sports | 7 Comments

Dutch Eredivisie will start its 2011/2012 season at 5th of August 2011, or less than two weeks from now. Ajax will start to defend its title at 7th of August by visiting De Graafschap. This season, Ajax will get tough challenges from Twente, PSV, AZ Alkmaar, Feyenoord to defend its crown. Instead of seeing the teams are competing for title, it is interesting to see which players that will become stars and transferred to top European teams like previous seasons. And also it will be interesting which Dutch teams that can ruin other European team hopes in Champions League. Eventhough Dutch has never won a World Cup, it never stops producing football best players in the world, like two years ago, when Wesley Snijder (Inter Milan) and Arjen Robben (Bayern Munich) are competing in Champions league Final. All Dutch best players are started their careers in Dutch Eredivisie. So, don’t underestimate Dutch teams and its competition. Because, they also have capabilities to conquer European football.

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Ligue 1 Fixtures 2011/2012

Posted on July 21, 2011
Filed Under Soccer, Sports | 4 Comments

Lille – Marseille – Lyon. Those top three teams from last season will compete for a Ligue 1 title in French Ligue 1 2011/2012 season. Will Lille retain its crown? Or Marseille and Lyon will take it from Lille? Or will other teams beat them for the title? For the past three years, there were three different teams that was crowned for Ligue 1 Champion. So, it is difficult to predict which teams that could bring the Ligue 1 title, after being dominated by Lyon for 7 years.

Probably people only pay attention on English Premier League, Spanish Primera Liga, or Italian Serie A. But, you have to remember that many French Players are playing outside their countries after they spent their time in Ligue 1 teams. So, it is still interesting to see which teams that will become the champion and who are the new stars that will arise in this 2011/2012 season.

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Personal Budget

Posted on July 18, 2011
Filed Under Finance | 3 Comments

What is a personal budget definition? Refer to several internet sites, a personal budget is a financial plan that limits the amount of money that will be spent on any expenses category in any period of time. The most common period used as a reference is one month period. The limitation is usually based on income being received. The income must cover all expenses, fixed and flexible expenses, where fixed expenses become top priority to be fulfilled every month. Fixed expenses are usually obligation expenses. For example: mortgage, school fee, cable tv etc where the money being spent is fixed per month. Flexible expenses are expenses that related with variable amount of money that has to be expensed based on people behaviour. A good budget will consider all the factors above and still have some savings on income by the end of month.

There are very few people who understand the needs of budgeting their expenses. Some people don’t know how to make it, some others don’t have intention on limiting their expenses. That is the reason people or family are sort of money every last week in every month. We saw any marts, restaurants, stores are more quiet on those weeks comparing with previous weeks. Because people tends to spend their money as soon as they get paid and think about saving it several days before getting paid again. In order to reverse this trend, people need to become more responsible with their spending patterns. One tool to help people manage their expenses is a personal budget.

Many people have no idea exactly where or how they spend a good portion of their money. How many times have you taken money from the ATM only to realize a couple of days later that it is gone? There is always situation where you have difficulties to remember how exactly you spent the money, and often times this money is wasted on unnecessary purchases. A budget will help prevent this from happening by making a person accountable for the money that they spend.

There are many methods available on how to categorize the expenses, which categories should have higher allocation, and many other considerations which should make people finally understand that they don’t have much money to cover all expenses. Another great benefit is that a budget portrays an accurate idea of how much an individual can actually afford to pay for various consumer items. Whether it’s a house, a car, or a new TV, a person will be able to determine whether or not a certain purchase will fit within their monetary constraints. This acts as a safeguard against getting in over your head financially.

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