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Amortization Chart

Posted on July 25, 2011
Filed Under Finance | 2 Comments

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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.

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Eredivisie Fixtures 2011/2012

Posted on July 25, 2011
Filed Under Soccer, Sports | 6 Comments

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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 | 3 Comments

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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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