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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Youth Soccer Gear – Best Protective Soccer Gears

Youth soccer gear is one of the most favorite collectors’ items of youth soccer players. As more and more younger generation are becoming involved with soccer and is becoming a favorite sport for children today, therefore it is essential that they be provided with the best gear for their protection.

Since the sport soccer involves a lot of action and body contact, proper gear should be worn to avoid injuries. There are varieties of soccer gear needed for a soccer player such as cleats or shoes, shin guards, soccer jerseys, soccer balls, head gears and of course the soccer ball.

Since the sport involves a lot of foot action, a foot gear is the most important equipment needed. One of these good foot gears comes from Adidas with its Predator PowerSwerve with sizes for adult and youth. The classic Copa Mundial also is quite a good deal which offers comfort and durability.

The Mercurial Vapor which comes from Nike is also one of the best cleats available. Nike Cleats have always been a favorite of famous soccer players in professional soccer. Nike products carry high quality materials and functionality.

Another essential soccer gear is the headgear. Potential risks of head injuries are associated with soccer heading, thus a headgear should be used by youth players. Based on tests conducted by an independent group, the Protector Brand headgear has the most efficient in decreasing the impact caused during the game.

There are a lot of vendors for these gears but what is important is to choose which best serves its purpose, to protect our young players from the hard actions of the game while enjoying the game.

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Sehwag, Gambhir, Yuvraj Singh and Harbhajan Singh Should Play in the World Cup 2015

There are only about 100 days left for the World Cup. Many TV channels, ex cricketeers are all debating the 30 or 15 probables for the world cup. Strangely the whole world seems to have forgotten the stars of the recent past Virender Sehwag, Gautam Gambhir, Harhbhajan and Yuvraj. These stars who won and played many matches for India are suddenly being ignored. The likes of Shikar Dhawan, Rahane etc are being discussed as replacements. The likes of Akshar Patel as the next international sensation are being hotly debated. Akshar Patel made a debut for the Indian ODI side after playing less than 10 first class games. On the contrary players such as Rayudu have been given an international debut after 10 years of making an appearance in the Indian first class scene.

The likes of Shikar Dhawan, Rahane and the spinning option to Ravichandran Ashwin can only be a back up to Sehwag, Gambhir, Harbhajan and Yuvraj. Imagine the first match of the 2011 World cup where Sehwag scored a magnificent 175 against Bangladesh. Will Rahane or Shikar Dhawan bat so freely like Sehwag? The answer is «NO.» Similarly consdier Gambhirs 97 and how it helped India win the WC 2011. Think about the many magnificent innings that Yuvraj Singh played for India in T20s and ODIs. Also the many fantasitc bowling spells bowled by Harbhajan in Tests and ODIs. Is it fair on our parts to ignore these stalwarts when they are still in their playing years and when they have not retired. Shikar Dhawan and Rahane can ably assist Sehwag and Gambhir and cannot be their replacements. Also Ravichandran Ashwin and Harbhajan Singh should be paired together, they would form a big force in the spin department along with the likes of Ravindra Jadeja and Akshar Patel as allrounders. Harbhjan Singh should not be ignored in the manner the selectors have ignored him during the past few seasons.

I hate to observe that the selectors in India instead of realizing the valuable contributions of these players readily shun then and abandon them when they have a poor season. Even the great Sourav Ganguly was unfortunately dropped during his peak time as a cricketer. Sourav Ganguly himself was instrumental in securing many wins for India as its finest captain. But the selectors did not realize his value or his contribution and simply dropped him from the team.

I urge the readers and the Indian team selectors to realize how important the contribution of Sehwag, Gambhir, Harbhajan and Yuvraj has been to Indian Cricket in the past. These stars must be picked for the world cup 2015 and should not be made a subject of ridicule by making statements that «they have not performed» etc. Me being an avid cricket fan and having watched cricket in India for the last 35 years have drawn up this list for the WC 2015.

  1. Virender Sehwag, Gautam Gambhir, Virat Kohli, Rohit Sharma, Suresh Raina, Yuvraj Singh, Ravindra Jadega, MS Dhoni, Ravi Ashwin, Harbhajan Singh, Ishanth Sharma, B.Kumar, Shami, Karn Sharma, Ambati Rayudu.

Viru, Gambhir, Harbhajan and Yuvraj you can be rest assured that our prayers are with you to on the plane to Australia for the world cup 2015. I do hope that the selectors realize how valuable your contribution has been to Indian Cricket and reward you with what you deserve – A place in the WC 2015 squad.

World Cup Goalkeepers – Dragoslav Jevric

Dragoslav Jevric played his debut match for Serbia & Montenegro against Mexico in 2002 at the age of 28 years. But it was in the qualifying matches for World Cup 2006 that he made his name. Of the ten matches in which Jevric kept the goal, Serbia & Montenegro did not concede even one goal in nine matches. Much of the credit for this accrued to Jevric.

His fans hailed him as an impregnable wall. They forgot the errors he used to make in the past, and lauded him for the outstanding saves he made in the qualifying matches. The Serbia & Montenegro team too recognized his skills under the bars. It was on account of his feats that the country was able to qualify for World Cup ahead of Spain.

Today, this 1974 born goalkeeper is Serbia & Montenegro’s number one goalkeeper, known for his goal stopping abilities. He has a large following across the country, and is quite popular among footballers.

In 2005, the 1.87 meteres tall Jevric joined Ankaraspor, a Turkish club, and has been keeping the goal for them. But he is understood to be looking for a bigger stage. His good performances in World Cup 2006 should surely bring him to the notice of leading European clubs.

IPL 2018: Top 3 Players to Watch Out for on the Rajasthan Royals

Post the IPL 2018 auctions, the franchises have a new look to the team with many new faces coming up and some old veteran players to represent their local franchise. With the 11th edition of Indian Premier League to start off in April, team Circle of Cricket gets down to list the key players from Rajasthan Royals squad who can make a difference with their performance this year.

The team which won the inaugural edition of Indian Premier League under the captaincy of Shane Warne is making their way back after two years of suspension. From the start of the tournament, Rajasthan Royals are said to have unknown talent hidden in them. Royals of Rajasthan had a very decent IPL 2018 auction building their team around Steven Smith. Manoj Badale’s blue army will definitely have some firework this season with many match winners in the team.

Rajasthan will get full support from their fans as they have Sawai Mansingh Stadium, Jaipur as their home ground for the coming season.

Steven Smith

Smith who led Rising Pune Supergiant in the nail-biting finals of 2017 IPL against Mumbai Indians was retained by Rajasthan Royals for Rs 12 Crores. Steven Smith will prove to be very effective for the team at the top order as he was a part of the franchise before it got terminated for two years. Steven Smith leading a whole new Rajasthan Royals will be very valuable for the team with support coming from experienced Ajinkya Rahane who can bat up in the order and stimulate quick runs on the board.

Smith has more than 1700 runs in the tournament with an average of 37 plus Rajasthan will be heavily dependent on their captain.

Ben Stokes

Ben Stokes who was bought by Rajasthan as the most expensive player at IPL 2018 auction for Rs 12.5 Crore will have the liberty to free his arms in the middle over and take wickets at intervals with his bag full of different all-rounding skills.

The latter from England was one of the most valuable players in the previous edition of IPL with scoring 300 plus runs and taking 12 wickets in the tournament. Ben Stokes’s presence in Rajasthan Royals team will be very beneficiary for players like Stuart Binny and Jofra Archer who have the ability to single handily change the fortune of a game.

Rajasthan will be hoping for their star all-rounder player Ben Stokes to play every game for them.

Jaydev Unadkat

Unadkat who was the most expensive Indian player to be sold at IPL 2018 auction fetch a mind-boggling amount of Rs 11.5 Crore. The player from Saurashtra has been in a decent form in the recent past. Jayadev is a very skilful player for Rajasthan as he has performed well for RPS in the previous edition of IPL.

The left arm pacer has better IPL economy from most of the other known bowlers. He will be opening the bowling attack with Dhawal Kulkarni who was retained by the team using Right to Match card.

Unadkat is well known for his responsibilities and his wickets taking spirit. He becomes one of the contenders to grab Purple Cap at the end of the tournament.

The players listed above, form the core strength of the franchise and have the ability to win matches for the team. It will be great to see how each one of them performs under the mentorship of Shane Warne.

A Few Interesting FC Bayern Munich Facts

German Premier League or Bundesliga has many high-profile football clubs competing in it for the title. There is no doubt that Bayern Munich has been enjoying its monopoly in Bundesliga for quite a few seasons. It is one of the most popular international football clubs. Needless to say, Bayern’s growing popularity has led the fans all over the globe to gather several important pieces of information and facts about the club. Here are a few Bayern Munich facts that the fans are less likely to like giving a miss to.

· The club’s full name is FC Bayern Munchen AG. It was established in 1900. That means the club is a 100-year old entity. It is one of the oldest and most prestigious clubs in Europe.

· Franz Beckenbauer, one of the best footballers in the world, was once the chairman of the club. The football legend later went on to become an advisor to this club. His contribution helped the club a lot to gain an envious position that it is still enjoying.

· FC Bayern Munich is, by far, the most dominating team in Bundesliga and has won the title more than 20 times till date. Not only has the club been most popular in the German League but has also made an impressive name for itself internationally.

· Allianz Arena is the home ground of the club and can host about 70,000 football lovers. Needless to say, the club receives the warmest reception on their home turf and has won a number of memorable matches there.

· The first ever title won by this club was in 1909 in the Bavarian Championship and since then, they have never looked back.

· Bayern Munich was initially started by the Munich Gymnastic club.

· The club lifted their first ever European Championship cup by defeating Atletico Madrid with a 4-0 score and managed to defend their title for three years in a row. The team has similar credits of defending their «Champion» status in other leagues as well.

· The club is run much like a standard company, with 90% of its shares being owned by the club and remaining 10% by Adidas. BM is one of the most profitable international football clubs.

· It is one of the very few clubs to have won the European cup, the UEFA Cup and the Cup Winners Cup.

· Oliver Kahn set a record of keeping clean sheets for maximum number of times in 2001-2002. However, BM goalkeeper, Manuel Neuer has smashed the record by maintaining 20 clean sheets. Players from this club have been nominated for the Ballon D’Or 15 times till date and won it 5 times.

· The 2014-2015 Bundesliga season saw Bayern win the Championship title for the fourth year in a row.

· Seven Bayern players played for Germany in the FIFA World Cup hosted by Brazil. Germany had an impressive run throughout the campaign and won the World Cup for the fifth time.

· FC Bayern Munich has made it to the DFB Cup semifinals for eight times straight.

Golden goals intend to scoop out details about the most celebrity clubs in Europe to keep adding to knowledge of their fans. Keep reading the website and its blog to stay updated on football news.

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A Short Biography of Famous Soccer Players – Djibril Cisse

His full name is Djibril Aruun Cissé. He was born on 12 August 1981 in Arles, France. His playing position in the field is Striker.

At the age of 11 He began his career at Nîmes Olympique in 1993. Afterward Cissé went to Auxerre still in the youth team. Gérard Houllier brought him to Liverpool. For the period of his time at Anfield Cissé played 49 matches with 11 goals; although he was at times played on the wing of right side.

He experienced playing football with some senior clubs: Auxerre (1993-1996), Liverpool (2004-2006), Marseille (2006-2008), Sunderland (loan) (2008-2009), Panathinaikos (2009 – till now).

Djibril Cissé is a French soccer player of Ivorian ancestry. Cissé is renowned mainly for his acceleration and pace, in addition to his hairstyles that always attention-grabbing. He has held the title of Lord of the Manor of Frodsham from the time when 2005.

At the age of 15 Cissé signed for Auxerre club, and in May 2002 made his international first appearance in opposition to Belgium. In May 2003, along with Auxerre, he triumphed for the French Cup and a month afterward the Confederations Cup with France. In the French Ligue 1 in the 2001-2002 and 2003-2004 season, Cissé was the top scorer making 70 goals in 128 league matches for Auxerre club.

Here are the lists of his honors he achieved as long as his career as a soccer player. The honors with the club are Auxerre (Coupe de France: 2002-2003); Liverpool (UEFA Champions League, 2004-2005), (UEFA Super Cup: 2005), (FA Cup: 2005-2006); Panathinaikos (Greek Super League: 2009-2010). And for the country is FIFA Confederations Cup: 2003.

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A Short Biography of Famous Soccer Player – Steven Gerrard

His full name is Steven George Gerrard. He is also called as Stevie G. He was born in Whiston, Merseyside on 30 May 1980. He is a professional soccer player who currently plays for his national team of England and captains for English Premier League club Liverpool. His playing position in the field is as a centre midfielder. But, since in 2007 after the appearance of Torres at Liverpool, Gerrad has been played primarily as a second striker for his club squad, and played as a winger for his national team since 2006.

Gerrard is the current vice-captain of the England national soccer side. Nevertheless, he became a captain for his national at the 2010 World Cup in the nonattendance of Rio Ferdinand who missed the event because of injury.

Gerrard spent his whole career at Anfield. In 1998, he made his first appearance in a competition against Blackburn Rovers. Gerrard made his 100th appearance in European club tournament for Liverpool on 10 March 2009 in opposition to Real Madrid and made two goals in a 4-0 win.

In international level, he made his first appearance in 2000 in opposition to Ukraine. In September 2001, he made his first international goal in the well-known 5-1 victory over Germany in a 2002 World Cup qualifier. Gerrard took part in his first World Cup in 2006, and he was England’s top scorer in the competition.

He has many honors for a professional soccer player. With Liverpool club, he won FA Cup (2000-2001, 2005-2006), League Cup (2000-2001, 2002-2003), FA Community Shield (2001, 2006), UEFA Champions League (2004-2005), UEFA Cup (2000-2001), UEFA Super Cup (2001-2002, 2005-2006).

As an individual player, he won FWA Footballer of the Year (2008-2009), PFA Players’ Player of the Year (2005-2006, PFA Young Player of the Year (2000-2001), PFA Fans’ Player of the Year (2000-2001, 2008-2009), PFA Team of the Year (2003-2004, 2004-2005, 2005-2006, 2006-2007, 2007-2008, 2008-2009), FA Premier League Player of the Month (March 2001, March 2003, December 2004, April 2006, March 2009), UEFA Club Footballer of the Year (2004-2005), UEFA Champions League Final Man of the Match (2004-2005), UEFA Team of the Year (2005, 2006, 2007), FIFA/FIFPro World XI (2007, 2008, 2009), FA Cup Final Man of the Match (2005-2006), Goal of the Season (2005-2006), and England Player of the Year (2007). Gerrard has been proposed on many occasions for the FIFA World Player of the Year Award and the Ballon d’Or.

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How to Manage National Team in Football Manager FM 2010

Football Manager is a series of football management simulation PC games developed by Sports Interactive (SIGames) and published by Sega. The latest version is Football Manager 2010 (FM 2010).

I have managed various national teams in Football Manager, you can manage one club and one national team concurrently in Football Manager. This is essentially 2 teams management. When I’m playing with Manchester United, I am offered to manage Brazil & England team. When I play in Spanish league as Xerez, I was offered manager position for Italy, Spain, and French. I usually don’t apply for this job. If you are winning many league cups as well as UEFA Champions League, you will be offered any of this national manager position instantly by the FA. The position usually will open after major cup such as World Cup or European Cup every 2-4 years. Most managers will get sack after poor performance in this major cup or the manager will resign by himself.

Managing national team is easy. I usually use generic tactic such as 4-4-2 most of the time or 4-1-2-1-2 variation for defence if needed. One thing to keep in mind is to keep winning when you are managing the national team.

Managing the Brazil team is a challenge, you will need to win almost all the time. Any consecutive draw will force the FA to boot you from the team. I was fired when I drew by playing with Argentina, Bolivia and Peru. If you can stay away from Brazil national team. The FA is just too unreasonable I think.

If possible, try to manage the national team which you have the league selected such as If you are managing English League team, try to manage England. Usually there is more young talent in your league that you play with the exception of Brazil.

I usually don’t select the national team player, I just ask a suggestion from my assistant manager to select the team. This option usually is available from time to time. If not, select the best team by using the game filter such as rating etc.

4-4-2 tactic

I mainly used a 4-4-2 formation with both center back/ defender arrow down, wingers has upward arrow, and 1 fast striker downward arrow. The center back usually have man marking and rarely close down position. One of midfielder is played as defensive midfielder with closing down. Other your back will be out of position whenever the other team counter attack your team. The passing is set to short or mix, wide formation and quick tempo. Offside and counter attack is on.

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Teemo Builds – The Popular League of Legends Champion

Captain Teemo on Duty!

Teemo is one of the most played champions in LoL. What makes him so popular? Here are some reasons why:

He's Cute and Cuddly

When you look at him, he reminds you of a cute cuddly soft toy you would have when you go to bed.

He's Deadly

A well-built Teemo can really own in LoL ranked games if built right. There are a couple of builds that you can use for him, depending on your opponents. I build him using 4 methods depending on the situation. They are:

  1. AP – Building him utilizing his ability power and on hit effects are the best way to go. Items that I recommend are Nashor's Tooth, Sorcerer's Shoes, Zhyona's Hourglass, Frozen Mallet and Abyssal Scepter.
  2. AD – Going the attack damage route utilizes its attack speed. You will want to stack attack damage items. I would recommend Infinity Edge, Statik Shiv / Phantom Dancer, Runaan's Hurricane and Bloodthirster. Maw of Malmortious works as well if you need some magic resist. This route will diminish the damage of your mushrooms though.
  3. Jungle – Teemo does not get used as a jungler often, but if you do try it, start off with Wriggle's Lantern, Berserker's Greaves, Frozen Mallet and Atma's Impaler. If you find yourself getting nuked down by burst AP champions, get Maw of Malmortious.
  4. Tank – Tank Teemo is surprisingly effective if you know how to kite well. Items that you want to get would be Frozen Mallet, Ninja Tabi, Sunfire Cape, Atma's Impaler and Mercurial Scimatar.

Jessica Nigri Cosplay's as Teemo

When you have Jessica Nigri doing Teemo's cosplay, you know he is popular.

Teemo Fan-made Songs

There are actually some really huge Teemo fans making songs specifically for him. You can find them on YouTube if you type in "Captain Teemo Song" or "It's Teemo and I Know it"

A Game Made After Him

There is game made for Teemo as part of an april fool's joke. It is call Astro Teemo. So basically, you play him in space as you have to fly through obstacles and avoid Lux's laser, Ashe's frost arrow and fire walls. Getting hit by any of these means a dead Teemo.

Global Taunt

With popularity comes hate as well. Due to his ultimate Noxius Traps, where it slows everyone and damages them. The problem is that you can not see them without you getting a true sight ward or Oracle's elixir. That is why in public games, you so so much hate for him.

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