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Debt to Income Ratio Calculator

Posted on November 5, 2011
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While waiting for an approval from my bank for new house loan mortgage application, I have been informed that the bank has checked my loan history and status and they said that my debt-to-income ratio is slightly above their ratio number. But, since I am already being their customer for more than 10 years with good payment track record, it looks like that my loan mortgage will be approved.

What is debt-to-income ratio? If you are a financial people, you will understand this term. Debt-to-income ratio is a personal finance measure that compares the amount of money that you earn to the amount of money that you owe to your creditors. This number is arisen when they plan to finance their new house, new car, or others. Any financial institutions or banks usually calculate it to determine your mortgage affordability.

Calculating your debt-to-income ratio is easy, open up an excel spreadsheet, put and sum up all of your bank or financial institution debts in one column, then put and sum up all of your income in other column, and divide the sum of your debt to the sum of your income. That’s it. That is your debt-to-income ratio. If you are still confused to run it using excel you can download this simple debt-to-income ratio calculator to help you find out your ratio. Replace item name in the template with your income and loan item.

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Pregnancy Calendar

Posted on October 30, 2011
Filed Under Health | Leave a Comment

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This is a pregnancy calendar that should accompany your journey into motherhood. It will help you to find out your pregnancy week easily every time you want to know how many weeks that have been passed on certain date.

And it should help you plan your weekly activities until you delivered your baby. For example, you can plan your visit to your obstetrician where it could be once a month for the first 6-7 months, and it will be 2-4 times a week when entering 8th month. And you can plan a time when you and your husband go shopping together to prepare your needs and your newborn baby needs.

I am not an obstetrician, so I won’t explain more about pregnancy. You can search and read from hundreds of references you can find in internet or bookstores. I was just creating this excel template based on experiences  my wife had. Since some of my friends found that this calendar is useful for them, I think it should be useful also for you who pregnant or have a pregnant wife. And for you who just plan to have a baby, probably you can use this calendar to plan and calculate the birth of your baby.

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UEFA Champions League Fixtures 2011/2012

Posted on August 28, 2011
Filed Under Sports | 23 Comments

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UEFA have made the draw for the group stages of 2011/2012 Champions Leagues on Thursday, 25 August 2011 in Monaco. Barcelona, the former champions, will try to defend its title at their home by playing against AC Milan on 14 September. Both of teams are looked like will go through the next round if they don’t underestimate the other two clubs in group H, Viktoria Plzen and Bate Borisov.

The other top seededs are looked like will also advance from their groups, if they don’t underestimate their opponents, as you can see the group division below.
-  Group A: Bayern Munich, Villarreal, Manchester City and Napoli.
-  Group B: Inter Milan, CSKA Moscow, Lille Metropole and Trabzonspor.
-  Group C: Manchester United, Benfica, Basel and Otelul Galati.
-  Group D: Real Madrid, Olympique Lyonnais, Ajax Amsterdam and Dinamo Zagreb.
-  Group E: Chelsea, Valencia, Bayer 04 Leverkusen and Genk.
-  Group F: Arsenal, Olympique de Marseille, Olympiacos and Borussia Dortmund.
-  Group G: Porto, Shakhtar Donetsk, Zenit St Petersburg and Apoel.
-  Group H: Barcelona, AC Milan, Bate Borisov and Viktoria Plzen.

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