Xherdan Shaqiri doubles Liverpool's lead v. Everton | Premier League | NBC Sports



Xherdan Shaqiri takes another great feed from Sadio Mane and finishes calmly to increase Liverpool’s lead to 2-0 against Everton in the Merseyside Derby. #NBCSports #PremierLeague #Liverpool #Everton #XherdanShaqiri

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Getting Out of Debt With Zero-Based Budget

After accepting you must change your behavior to get out of debt, you are ready to look at relevant financial engineering tools. Again, I stress that without behavior change, tools and techniques will not improve your financial affairs. You must change your behavior because you choose to spend; money is merely the means to the end.

Zero-based budgeting is an important financial engineering tool for the household, particularly if folks are in debt. Developing and using a zero-based budget will help you sift your expenses. Traditional budgeting starts where you are as a base and then increases current dollar figures. Generally, the focus is on money, not activities, and the process assumes you need the status quo.

On the other hand, zero-based budgeting starts with a clean slate. For a household, it identifies a realistic lifestyle that will lead to minimum expenses in a defined period. It excludes discretionary items, but includes debt repayment plans. Most of all, it does not focus on money but on activities.

A proper zero-based budget for a household should show clear answers in these three areas: goals, plans, and monetary estimates (budget).

Goals

  1. What are the goals for the budget period?
  2. Is each goal necessary? Why?
  3. What if you do not do them now?
  4. Should each needed goal continue the same way?
  5. Suppose you stopped it?

Here, you are trying to identify your minimum lifestyle level for the period. Will you cut goals and activities so deep that you focus almost entirely on debt reduction? For example, will you eliminate buying clothes, taking vacation, children’s hockey, dance, or other activities?

For an item to qualify as a legitimate goal or activity, you must be satisfied that not doing it will cause major unavoidable disruptions to your lifestyle and household. How important are your daughter’s ice skating lessons?

Plans

  1. Is there a plan for each surviving goal? Is there a plan to control spending on your son’s football activities?
  2. Should the plan change to require less expenses? Should you carpool to go to your daughter’s soccer games?
  3. Could you defer the plan and the goal until a greater portion of your debts are repaid?

Monetary Estimate (Budget)

  1. Notice that financial calculations are just now being discussed, and only in the context of approved goals and plans.
  2. You will not look at last year’s budget because you will build this budget from scratch, focused on specific needed goals.
  3. You have to calculate what it will cost you to do each task and activity as if you had never done them before.
  4. The budget will exclude frills unless they have goals and plans. It will include debt repayment based on your debt repayment schedule.

Zero-based budgeting, done properly, is an effective tool that could benefit households and businesses. However, it is difficult to use because it involves much work. Besides, folks become insecure as it forces them to think unconventionally and creatively, to question the present state, and to embrace change. In short, zero-based budgeting will take you outside your comfort zone.

After doing your zero-based budget, you must get an accountability partner and then set up a reliable review process so you can see quickly effects of your lifestyle choices, compared with the zero-based budget.

I repeat, this is an exceptionally useful tool to help you get out of debt, but first, you must change behaviors that led to your indebtedness.

Copyright © 2012, Michel A. Bell

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Improving Dribbling Skills for Soccer Players and Coaches with Concurrent Goal Training – Article 6

Just about everyone can dribble a soccer ball when there is no resistance coming from an opponent. Obviously however, there will be great resistance during competitive matches. So the objective here is to properly get young players comfortable and confident with dribbling while an opponent is applying pressure by endeavoring to gain possession of the ball. If any field-soccer player wants to improve, this skill is paramount.

These are the basic objectives that must be developed for young players and possibly others for maintaining possession of the ball.

1. Dribbling the soccer ball must be kept close to the feet around opponents. This is obvious.

2. But what may not be obvious is that the sense of balance of the body, needed for rapidly changing directions, must be developed.

3. Looking out around the field for open players and open spaces is another necessity. It can only be accomplished by keeping one’s head up while dribbling. This of course will not happen with newly introduced players into the game, but it is one of the dribbling objectives.

4. Another necessity for retaining the ball while dribbling is to shield it from one or more opponents.

So what is the optimum approach to improve the dribbling skills for young players?

1. In general, precious soccer practice time should not be spent on dribbling drills. Dribbling should be practiced away from the soccer practice. But, there are some exceptions:

  • (a) The youngest players must be taught the basics via dribbling drills at soccer practices. There is nothing new here.
  • (b) After say two soccer practices, end the dribbling drills at these practices. Valuable training time is needed for spending on kicks, trapping, defense, shielding, endurance etc.
  • (i)Without endurance, soccer players cannot perform to their maximum abilities
    and will make more dribbling and other errors.

    (ii)A professional should be consulted on the optimum level of endurance training.

  • (c) Then, assign homework drills. Drills that are designed to teach
  • (i)the young player balance while turning

    (ii)control of the sensitivity of touch on the ball

    (iii)players to keep the ball near the feet when moving with the ball.

  • (d) Coach demonstrations and player demonstrations should be performed so the players understand their assigned homework drill.
  • (e) At each subsequent practice (after a drill has been assigned), players should be asked to demonstrate their homework skills for about 30 seconds each. Say two players at a time–to conserve training time. After each player has shown his or her skill preforming the drill, a demonstration should be repeated by the best young dribbling player. This acts as a teaching-aid to the others.
  • (f) Every player is to own and bring an identifiably marked ball to practice. While on the subject, water and warm clothes in cold weather should also be a requirement.
  • 2. During scrimmage games, insist that players dribble with their head up and with the ball close to the feet when near opponents.

    3. The importance of shielding the soccer ball from an opponent cannot be overemphasized. Shielding properly keeps one, or possibly two or three opponents from dislodging the ball from a dribbling player.

  • (a) Various drills are designed to elevate shielding skills from its most elementary level on up. Start with little opponent pressure, as the players develop expertise add pressure to each advanced drill.
  • (b) In addition, there is another drill especially designed apply the shielding technique. It is a variation of the monkey-in-the-middle drill. When done right and constantly overseen by the coach, players properly learn to shield the ball from aggressive opponents. Furthermore, players also learn to make safer passes to «teammates».
  • The following notes should add clarity to this article.

    Note 1: Very young «talented» players often make «breakaways» and dribble the ball towards the goal unimpeded. Before taking the shot at the goal with only the goalkeeper in front, these players push the ball about two to three yards (or two or three meters) out in front of them. At this distance the ball is in an ideal position to kick it at the goal. Often these young players score against an unskillful very young goalkeeper, and of course the parents of the scoring child are elated. However, this may or may not indicate that this child will go on to be a great soccer player. That «skill» just witnessed is not a skill at all, because it was not learned. As the children progress up in age, opponent defenders ordinarily do not allow an attacker the room of two or three yards to set up the ball for the kick on goal. On older teams, this «tactic» is no longer a tactic. So what point am I making?

    Competitive soccer players need to discipline themselves in keeping the ball near their feet when opponents are near. This is a necessary skill that must be learned for dribbling as well as when making attempts at scoring. It takes training both with dribbling and while employing the various types of kicks to be competitive as a player goes on up in years.

    Note 2: Advanced players must also develop the ability to lunge in one direction while flicking the ball in the opposite direction. There are several of these feinting moves that a skillful soccer player must master, but they are beyond the scope of this article.

    Note 3: What do the young goalkeeper(s) do while the field players are training for their skills? They need to be developing their skills. They need an assistant coach to train them on defending the goal, to practice diving and punting. The coach must instruct the assistant coach in proper goalkeeping-training techniques while overseeing these techniques until the assistant coach gets it right.

    Note 4: Much of the above training information can be learned from good soccer books containing further descriptions and applicable drills.

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    The Football Widow

    The official term for a»football widow,» is any woman involved in a relationship with a sports fan (often a follower of football, soccer, or rugby) who pays more attention to the game than to their partner during the sport’s season of play. Football widows usually have little or no interest in the sport themselves.

    These women are left to fend for themselves during the NFL season. If you don’t believe me, go to the internet and read some of the football blogs. These poor forsaken women are pouring out their souls to anyone who will listen.

    They can be found at the local grocery shopping for their man’s beer, wings and nacho chips. They are easy to recognize because there will be no husband or boyfriend around for miles-the men are at home warming up the couch and big screen television.

    Rumor has it that these men sit in front of their television sets so long they begin to grow cobwebs. You will recognize them on Monday morning because they will have spiders nesting in their hair.

    I have been an NFL fan for over 30 years. I own NFL memorabilia, pictures and cups of my favorite team. I am a recovering NFL addict and try to limit myself to watching no more than 4 games per week.

    Most women don’t understand the madness that overcomes a man during an NFL game.

    They can’t explain what makes a grown man put on a Viking helmet or wear a dress and a pig snout and call himself a «hog.»

    I don’t understand the madness either. Just the mere thought of a 300 pound linebacker crushing some 200 pound quarterback is enough to send me over the edge.

    Being a former addict, I can offer some helpful advice to the football widow. Give your man household jobs he can complete while sitting on the couch. For example, my wife gives me clothes to fold while I watch games.

    My final solution is to use this time to bond with your man…since you can’t legally beat him, why not join him?

    Ladies, I suggest you go to the library and borrow a football guide. If you become informed, you can sit with your man and enjoy the game with him.

    Trust me, he will be impressed when you tell him a sack is when the QB gets tackled behind the line of scrimmage and not what his beer was carried in.

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    5 Star Luxury Hotels in Scotland

    If you’ve got the cash to splurge, or if you just fancy dreaming, Scotland has a number of top luxury hotels to match its spectacular scenery. Here are ten of the best. Some of these are famous names you may well have heard of, other perhaps not so. All of them however are amongst the most opulent accommodation you’ll find in Scotland.

    The Marcliffe Hotel & Spa

    Situated on the outskirts of Aberdeen amongst 11 acres of woodland grounds, this privately owned hotel is a lovely blend of the traditional and contemporary. The spa boasts aromatherapy, massages, and body treatments, whilst hunting, shooting and fishing are available on the local estates via the hotel’s agents. There is a strong focus on local and regional cuisine in the Marcliffe’s Conservatory Restaurant, with lunch often being served outdoors in summer. This is a hotel strongly focused on comfort and relaxation.

    Kinloch House

    This is a truly authentic Scottish country house hotel, elegant with an old world romance. Kinloch House is located a few miles outside the town of Blairgowrie in rural Perthshire amongst 25 acres of grounds. Family owned and run, it’s a popular wedding and big business meeting venue. The rooms echo it’s days in the Victorian era as a luxury sporting lodge, with intricate period details and lavish furnishings. Its restaurant is thought to be amongst the best in Perthshire, with top quality locally-sourced ingredients always on the menu.

    Turnberry Resort

    A famous name in Scottish accommodation which, like a couple of other hotels on this list, has a strong golfing association, having hosted four Open Championships on the course which it overlooks. Turnberry, located in rural Ayrshire, has received numerous accolades, including the Scottish Hotel of the Year award and the Golf Tourism Scotland award. It has a strong Edwardian feel, with the rooms boasting spectacular views across the golf course and the Firth of Clyde. There’s also a luxury spa with 20 metre swimming pool, fitness studio, sauna and steam room.

    2121 Restaurant with Rooms

    Something a little different – 2121, located in Edinburgh, is a Michelin Star restaurant which also sports four lavishly appointed rooms, each with a different theme and with fine views across Scotland’s capital city. As well as said Michelin Star it’s received a plethora of accolades for its cuisine and accommodation from the likes of the AA, the National Restaurant Awards, the Scottish Tourist Board, and the Scottish Style Awards.

    Old Course Hotel

    Another golfing Mecca in Scotland (indeed it’s the home of the game) is St Andrews, and just like Turnberry here you’ll find a another grand hotel perched by another famous golf course. The Old Course Hotel offers a 3 AA rosette restaurant alongside several other acclaimed (but less formal) bars and restaurants. There are 144 beautifully appointed rooms, including 35 suites, featuring amongst other lavish touches, silk lined walls, whilst a number possess private balconies. The hotel’s opulent spa features a 20 metre swimming pool with cascading waterfall, hydrotherapy pool, rooftop hot tub, steam room and sauna.

    The Witchery by the Castle

    At the top of the Royal Mile in Edinburgh’s Old Town, hidden amongst a muddle of historic buildings, you’ll find this little gem. Established in 1979 in the basement of a then derelict building, such is the reputation The Witchery has built over the years that it’s been said it’s ‘almost a famous as the castle itself’. Its reputation is built on an excellent restaurant, boasting the best of Scottish cuisine, which has proven a real hit with local residents, not to mention a plethora of celebrities. Its eight captivating suites have been described as ‘one the seven wonders of the hotel world’, each totally unique, filled with antiques and historic fixtures and fittings. This is a place to stay like no other.

    Loch Ness Lodge

    Recently the recipient of a prestigious UK & Ireland small hotel award, this exclusive, intimate venue is located on the banks of Loch Ness a couple of miles from the village of Drumnadrochit, and is particularly geared towards romantic escapes, weddings, and small house parties. Rooms are individually named and styled, taking inspiration from the lodge’s natural surroundings. There is excellent fine dining on offer, with the hotel always striving to source local, organic and ethically prepared produce, whilst also boasting its own kitchen garden. There is easy access to many local activities, including kayaking, fishing, shooting and pony trekking, and you certainly won’t find anywhere more sumptuous to stay for a spot of Nessie hunting!

    Gleneagles Hotel

    A most famous name in Scottish hotels, this world-renowned Spa & Golf Resort is located on an 850 acre Perthshire estate. It’s 232 rooms are all opulently appointed, with a choice of the traditional or the modern, whilst there’s also 26 suites available, the top one of which, the Royal Lochnagar Suite, is the absolute last word in luxury. The hotel’s spa is an incredible experience, designed to be the most tranquil space possible. Additionally there are two swimming pools, gym, saunas and Turkish bath. Outdoor activities provided include shooting, fishing, equestrian, 4 x 4 driving and of course, golf – Gleneagles has three championship courses and is set to host the Ryder Cup in 2014.

    Inverlochy Castle

    If you ever wanted to stay in a castle in Scotland, here’s how to do it in style! Located just outside the town of Fort William, Inverlochy is an incredible luxury hotel and restaurant located in the most spectacular of settings, among the glens and mountains of the West Highlands. In its former life as a 19th century private residence Queen Victoria once spent a week here, and as a hotel it very much retains that massively grand Victorian flavour. There are 17 individually styled and named rooms, all very spacious and sumptuously appointed, with facilities including laptop with internet access, and a personal safe. The restaurant is internationally recognised and boasts a Michelin Star. Sporting and Country Pursuits can be enjoyed on the local 75,000 acre Achnacarry Estate, as well as golf on Fort William’s 18 hole course, mountain biking, and winter sports at the nearby Nevis Range.

    Glenapp Castle

    Of course if you prefer your hotel castles in the south of Scotland, the Ayrshire village of Ballantrae to be precise, this one might fit the bill. Glenapp Castle, like Inverlochy above, is a an incredibly luxurious, opulent and sumptuously appointed Scottish hotel. To give you some idea, even the smallest of its 17 individually named, themed and styled rooms is big (198 sq. feet) and features an original fireplace with real flames. It boast one Michelin Star and four AA Rosettes for its fine dining restaurant, with an emphasis on the highest quality local Ayrshire produce. 36 acres of gardens are available for the exclusive use of guests, who can also can also enjoy access to a nearby normally private members spa.

    The Oldest International Stadium in Football – The Racecourse Ground

    The Racecourse Ground: Wrexham

    The Racecourse ground situated in Wrexham, North East Wales is the oldest International Football Stadium in the World and has been the venue for some of British Football’s most historic memories. The following article details the fascinating history of the stadium.

    The Racecourse Ground («Y Cae Ras» in Welsh language) is the long term home of Wrexham Football Club who currently ply their trade in the Blue Square Premier league, the Racecourse is the largest stadium in this league with a capacity of 15,000, however this is currently reduced to 10,500 due to the kop stand being closed awaiting renovation to take the ground to being an all seater venue. In early 2010 Super League (Rugby League) side The Crusaders relocated to Wrexham and now use The Racecourse Ground as their home base.

    In the 1800’s the Ground was owned by Wrexham Cricket Club and was a venue for Cricket and Horse Racing (hence the grounds name). In 1872 Wrexham Football Club was born and thus the ground became a football stadium. In those days however it was less of a «stadium» due to the lack of facilities. The first stand to be built was the kop terracing in the 1950’s whch is the oldest remaining part of the gound. The current away supporters stand (Eric Roberts Builders Stand) was built in 1978 following Wrexham’s most successful period on the pitch. By this time floodlights had already long been installed. In 1999 the ground was brought to it’s current standards with the completion of a 3500 capacity, modern designed stand including restaurant and bar facilities. The current capacity of 15000 is dwarfed by the record recorded attendance of amlost 35,000 people to witness an FA Cup tie against Manchester United in the 1950’s

    The Racecourse Ground’s most distinguishing fact is that it is recorded in the Guinness Book of Records as being the oldest International Football Stadium in current use. Over the years it has hosted many Wales International matches meaning the roll call of world greats to have graced the Racecourse changing rooms is long and distinguished. The Raceourse ground was the venue when Wales beat England 4-1 in the then Home Nations Tournament, a game still oft referred to and featured on television programmes. Similarly the Racecourse ground is featured annually on the weekend of the FA Cup third round having been the venue for the greatest FA Cup giant killing of all time when Wrexham beat current league champions Arsenal 2-1 in 1990.

    The ground is no stranger to club level European football either, Wrexham enjoyed many ventures in the European Cup Winners cup and in recent years Welsh sides Bangor City and Total Network Solutions have used the venue for their European ties.

    The Racecourse ground is also a favourite rugby venture. Currently the home of Rugby league team «The Crusaders» it has also been used by Rugby Union region «The Scarlets» as well as playing host to World Cup Rugby League and International Rugby Union matches.

    The future of the Racecourse ground is that Wrexham Football Clubs owners plan to redevelop land behind the top end of the ground into student accommodation whilst rebuilding the kop stand into a multi purpose stand. The future may be different from the past but it is certain that the history and memories of the ground will live forever.

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