Tuesday, December 27, 2011

Aji Santoso Gantikan Rahmad Darmawan


K16-11
Ketua Umum PSSI Djohar Arifin Husin (kanan) dan Asisten Pelatih Timnas U-23 Aji Santoso serta para pemain timnas U-23 saat berada di pendopo Kota Batu, Jawa Timur, Rabu (27/7/2011).

JAKARTA, KOMPAS.com - Koordinator timnas, Bob Hippy, akhirnya mengungkapkan siapa yang akan jadi suksesor Rahmad Darmawan sebagai pelatih timnas U-23. Sosok tersebut adalah Aji Santoso, asisten Rahmad ketika menangani timnas U-23 di ajang SEA Games.

Sebenarnya ada beberapa nama yang digadang-gadang untuk melatih "Garuda Muda". Selain Aji, ada nama Nil Maizar, Widodo Cahyono Putro, dan beberapa nama lain.

Bob mengungkapkan, alasan PSSI menunjukan Aji karena dia sebelumnya menjabat asisten Rahmad. Dia, kata Bob, tinggal meneruskan program yang telah diberikan oleh Rahmad. Selain itu, Aji tampaknya memaparkan program yang lebih menarik bagi PSSI.

"Aji menjadi pengganti Rahmad sebagai pelatih di Timnas U-23. Dia akan mulai jalankan tugas Januari nanti. Tapi, penunjukan ini masih akan kita bahas di rapat Exco (Komite Eksekutif). Exco rapat setelah tahun baru. Setelah itu, Aji baru bisa jalankan program," kata Bob ketika dihubungi wartawan, Senin (26/12/2011).

Tantangan pertama Aji sebagai pelatih timnas U-23 adalah Piala AFF Juni tahun depan. Meski persiapan akan terbilang minim, Bob menilai tak akan ada masalah. Lebih lanjut Bob mengatakan,Aji Santoso akan dibantu Widodo. Namun, Widodo masih harus menangani timnas U-21 untuk menghadapi kejuaraan Asia di Brunei pada bukan Februari.

Monday, December 26, 2011

Ferguson: Krisis Pun, MU Tetap Tangguh!

AFP/ANDREW YATES
Manajer Manchester United, Sir Alex Ferguson, sangat bahagia timnya menang 5-0 atas Wigan Athletic, Senin (26/12/2011), meski dalam kondisi krisis pemain.

MANCHESTER, KOMPAS.com - Manajer Manchester United (MU), Sir Alex Ferguson, tak bisa menyembunyikan kebahagiaannya setelah timnya menundukkan Wigan Athletic 5-0, Senin (26/12/2011). Bukan hanya kemenangan besar yang membuat mereka kini memiliki nilai yang sama dengan Manchester City di puncak klasemen. Namun, MU tetap menunjukkan ketangguhannya meski dalam krisis.

MU memang dalam keadaan krisis. Sepuluh orang tak bisa tampil karena sakit dan cedera. Terutama di lini belakang, MU sangat kurang orang setelah Chris Smalling, Phil Jones, dan Rio Ferdinand cedera. Ferguson pun terpaksa memainkan Michael Carrick sebagai bek. Bahkan, Ezekiel Fryers yang kurang pengalaman un, terpaksa dimainkan pada babak kedua untuk menggantikan Jonathan Evans.

"Hasilnya sangat membahagiakan saya, mengingat 10 pemain kami harus absen. Kamu harus menunjukkan kekuatan hari ini. Kami harus berdiri dan beraksi, karena (formasi) ini sudah disiapkan beberapa hari sebelumnya," kata Ferguson kepada Sky Spors News.

Fergie lalu menceritakan, "Chris Smalling dan Phil Jones sakit. Kemudian Rio (Ferdinand) cedera punggung dalam latihan. Tadinya saya kira ia (Ferdinand) bisa main. Dia juga ingin bermain. Tapi, ketiga pemain ini akhirnya tak bisa bermain dan itu pukulan berat."

"Kami harus memulai berpikir tentang cara terbaik memasang empat bek. Saya sempat tergoda memainkan Rafael da Silva sebagai wing back kanan. Namun, akhirnya saya memilih Antonio Valencia karena lebih siap," tambahnya.

Pada pertandingan, Jonathan Evans akhirnya mengalami masalah. Dia pun harus diganti Ezekiel Fryers. Namun, bek tengah diberikan kepada Patrice Evra (biasanya bek kiri) untuk mendampingi Carrick.

"Ini mengkhawatirkan. Apalagi, empat bek ini baru kali ini dimainkan. Maka, saya sangat bahagia ternyata hasilnya memuaskan," ujar Fergie.

Wednesday, December 21, 2011

Bos Alfamart, dari Kios Menjadi 5.500 Minimarket

KOMPAS.com - Pekan lalu, Majalah Forbes merilis 40 orang terkaya di Indonesia. Meskipun kondisi perekonomian global sedang gonjang-ganjing, total kekayaan ke-40 orang kaya Indonesia tahun ini meningkat hingga 19 persen menjadi 85,1 miliar dollar AS.

Di antara ke 40 orang terkaya tersebut, ada beberapa orang yang merupakan wajah baru, diantaranya adalah Djoko Susanto, bos industri ritel PT Sumber Alfaria Trijaya atau dikenal dengan nama Alfamart.

Kekayaan ayah dari 5 orang anak ini mencapai 1,040 miliar dollar AS atau Rp 9,36 triliun. Dari mana Djoko mendapatkan kekayaan tersebut? Berikut sepenggal perjalanan kesuksesan Djoko mulai dari merintis bisnisnya hingga menjadi salah satu orang terkaya di bumi Indonesia, seperti dikutip dari Forbes.

Umur 17 tahun, Djoko mulai mengambil alih kios milik orang tuanya di Pasar Arjuna, Jakarta. Saat itu, kios bernama Sumber Bahagia itu hanya menjual makanan, namun seiring dengan waktu, Djoko muda memutuskan untuk menjual rokok. Keputusan tersebut berjalan dengan baik, pembeli tidak hanya datang dari para perokok, tapi juga para pembeli grosiran dan ritel juga menjadi pelanggan.

Keberhasilan Djoko di bisnis rokok ini, rupanya menarik perhatian Putra Sampoerna, yang saat itu masih menjadi pemilik produsen rokok bermerk HM Sampoerna. Keduanya bertemu pada awal 1980an dan akhirnya pada tahun 1985 sepakat untuk membangun 15 kios sejenis di beberapa wilayah di Jakarta. Kerjasama tersebut sukses, sehingga menginspirasi keduanya untukl membuka supermarket Alfa Toko Gudang Rabat. Di tahun yang sama Djoko juga menjadi salah satu direktur distribusi dan penjualan Sampoerna yang semakin menjadi perusahaan maju.

Untuk menjangkau kalangan menengah ke bawah yang mencari harga murah dan kenyamanan, tahun 1994 keduanya membuka Alfa Minimart yang kemudian berganti nama menjadi Alfamart. "Saya tadinya akan menamakannya Sampoerna Mart, tapi kemudian memilih Alfa, yang sudah menjadi merk yang teruji dan dikenal," ungkap Djoko.

Kerjasama Djoko dengan Putra Sampoerna harus berakhir tahun dan 2005. Sampoerna menjual perusahan rokok dan anak perusahaannya termasuk 70 persen saham di Alfamart, kepada Philip Morris sebesar 5 miliar dollar AS.

Philip Morris sendiri ternyata tidak tertarik bermain di sektor ritel, sehingga perusahaan asal Amerika Serikat ini pun menjual saham Alfamart kepada Djoko dan Northstar. Tahun lalu Djoko membeli Northstar, sehingga membuatnya menjadi pemegang 65 persen saham. Keputusannya dinilai sebagai langkah yang cerdas, karena saham peritel ini melonjak dua kali lipat dalam 12 bulan terakhir dan empat kali lipat dalam dua tahun terakhir. Hal ini mendorong Djoko masuk ke dalam jajaran miliuner dunia, sekaligus menjadi orang terkaya baru di Indonesia.

Djoko yang beberapa tahun lalu menjual bisnis supermarketnya, ternyata masih nyaman dengan minimart. Penjualan sektor ini tumbuh rata-rata dari 15 persen menjadi 20 persen setahun. Alfamart yang saat ini memiliki 5.500 toko dengan melayani hampir 2 juta orang konsumen per hari dan memperkerjakan lebih dari 57.000 karyawan, memimpin transformasi dari toko pinggir jalan menjadi minimart modern dengan barang-barang pilihan berharga sama bahkan lebih baik.

Tahun 2012 Alfamart berencana membuka 800 outlet lagi. "Minimarket ini selalu dituduh menghambat pasar tradisional. Padahal, apa yang dilakukan minimarket adalah mendorong pasar tradisional untuk meningkatkan pelayanan mereka," pungkas Djoko.
Sumber :
Forbes
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AS Segera Alihkan Produksi Sepatu ke Indonesia

JAKARTA, KOMPAS.com — Footwear Distributors and Retailers of America menyatakan komitmennya untuk berinvestasi dan melakukan diversifikasi sourcing produk alas kakinya dari China ke Indonesia. Dengan semangat win-win solution, kedua pihak sepakat akan menyelesaikan berbagai permasalahan yang dapat menghambat kerja sama perdagangan dan investasi antara industri sepatu Indonesia dan Amerika Serikat.

Hal tersebut disampaikan Presiden FDRA Matt Priest saat bertemu dengan Atase Perdagangan Indonesia di Washing ton DC Ni Made Ayu Marthini.

Kedua belah pihak membicarakan mengenai kerja sama dalam mempromosikan perdagangan dan investasi di sektor produk alas kaki di antara kedua negara. Anggota FDRA mewakili sekitar 80 persen penjualan produk alas kaki di AS, dan produk mereka juga telah memasuki pasar dunia.

Posisi ini menjadikan FDRA sebagai mitra penting bagi industri serta usaha kecil dan menengah (UKM) sepatu dan alas kaki di Indonesia, ujar Made Marthini, dalam siaran persnya, Rabu (21/12/2011).

FDRA dan Asosiasi Persepatuan Indonesia (APRISINDO) telah menandatangani nota kesepahaman yang melingkupi peningkatan kerja sama, peningkatan kapasitas, pertukaran data dan informasi, serta promosi bersama.

Made Marthini menjelaskan bahwa saat ini banyak pengusaha AS yang ingin mendiversifikasikan pabriknya atau sourcing untuk produknya dari China ke negara Asia Tenggara lainnya, seperti Indonesia dan Vietnam, dikarenakan biaya produksi yang semakin tinggi di China dan apresiasi mata uang yuan. Saat ini, sebanyak 80 persen produk impor AS berasal dari RRT, dan dengan kebijakan diversifikasi ini, tentunya dapat menguntungkan Indonesia, terutama karena Indonesia adalah salah satu negera yang sedang dibidik oleh investor AS, ujarnya.

FDRA memberikan masukan kepada Atase Perdagangan agar melakukan kunjungan ke beberapa negara bagian di AS, terutama Portland (tempat kantor pusat perusahaan-perusahaan besar AS di sektor alas kaki dan sepatu), untuk menjajaki kemungkinan kerja sama dengan beberapa perusahaan sepatu AS, seperti Adidas dan Nike.

Impor alas kaki AS dari Indonesia pada periode Januari-September 2011 sebesar 586,28 juta dollar AS atau meningkat sebesar 33,24 persen dari periode yang sama tahun 2010. Pangsa pasar sepatu dan alas kaki Indonesia di AS sebesar 4,05 persen pada periode Januari-September 2011.

Inilah Target Barca Setelah Jadi Juara Dunia

BARCELONA, KOMPAS.com — Bek Barcelona, Dani Alves, menyebut Pelatih Josep "Pep" Guardiola sebagai orang terpenting di balik keberhasilan timnya menjuarai 13 gelar sejak 2008, termasuk Piala Dunia Antarklub 2011 di Jepang. Menurut dia, salah satu target Barcelona adalah memastikan Pep memperpanjang kontrak, yang akan habis 30 Juni mendatang.

"Ia adalah jantung tim ini, klub ini. Kami semua tahu bahwa tanpa Guardiola, kami tak akan menjadi sebesar saat ini. Tanpanya, kami tak akan memenangi berbagai gelar. (Untuk alasan itu) salah satu target skuad ini adalah membuatnya bertahan untuk jangka panjang," ujar Alves.

Pep diangkat melatih Barcelona pada 1 Juli 2008, dengan kontrak selama dua musim. Setelah kontrak pertamanya, ia selalu memperbarui kontrak hanya untuk satu musim. Menurut Pep, dengan memperpanjang kontrak satu musim demi satu musim, ia akan selalu berada dalam tuntutan yang akan membuat motivasinya terjaga ketimbang menandatangani kontrak panjang.

Barcelona sendiri menyatakan sangat ingin menawarkan kontrak jangka panjang kepada Pep, tetapi akan menghormati keputusan Pep. Sejauh ini, menurut pemberitaan di Spanyol, belum ada pembicaraan antara Pep dan Barca soal kelanjutan kerja sama setelah musim ini habis.

Sumber :
Barcelona

Adu Kuat Emas Lawan Dollar AS

JAKARTA, KOMPAS.com — Pergerakan harga emas masih sulit untuk diprediksi. Sebagian pelaku pasar dan analis memperkirakan bahwa emas mungkin akan berada di bawah level 1.500 dollar AS per troy ounce atau 31,1 gram, terkait lemahnya permintaan akibat krisis Eropa. Euro yang saat ini terus mengalami tekanan akibat krisis utang Eropa yang terus berkepanjangan membuat rival utamanya, dollar AS, banyak mengalami penguatan.

Walau sempat menguat, saat ini euro kembali melemah setelah aksi jual menekan mata uang tunggal Eropa tersebut. Bersamaan dengan itu, emas kembali dalam tekanan terkait penguatan dollar AS, dengan kondisi bahwa emas sempat menyentuh level 1,567 dollar AS, di bawah level 1.600 dollar AS per troy ounce, menjelang tutup tahun ini.

"Tekanan permintaan untuk emas juga mungkin akan datang karena aksi jual oleh investor menjelang tutup tahun akibat aksi spending atau likuidasi bagi sebagian kalangan investor," kata analis Monex Investindo Futures, Ariana Nur Akbar, Rabu (21/12/2011) di Jakarta.

Di sisi lain, emas oleh sebagian investor mungkin akan mendapat dukungan yang cukup tinggi, akibat investor yang akan melakukan aksi lindung nilai terhadap aset mereka, dengan melakukan pembelian emas. Mereka memperkirakan, dengan semakin memburuknya keadaan ekonomi global, yang diwakili oleh AS, Eropa (dengan krisis utangnya), dan China yang mulai mengalami perlambatan ekonomi, emas mungkin menjadi salah satu alternatif terbaik sebagaimana yang pernah terjadi tahun ini.

Emas sempat mencapai 1,920.30 dollar AS per troy ounce pada kuartal ketiga tahun ini. Hal yang sama diperkirakan terulang tahun depan. Menurut Ariana, tahun depan faktor pengendali harga emas terbesar akan bergantung pada upaya Uni Eropa dalam menyelesaikan krisis utangnya.

Secara teknis, berdasarkan kesimpulan yang ada saat ini, harga emas masih bergerak mixed dengan kisaran rendah-tinggi 1.568 dollar AS-1.743 dollar AS per troy ounce. Untuk pergerakan naiknya, emas mungkin akan berada di level support 1.568 dollar AS-1.609 dollar AS dan resisten 1.655 dollar AS-1.743 dollar AS per troy ounce.

Friday, December 16, 2011

Real Madrid Bangun 7 Sekolah di Indonesia

MADRID, KOMPAS.com — Pembinaan usia muda Indonesia mendapatkan kesempatan besar menambah dayanya dengan kehadiran sekolah-sekolah sepak bola Real Madrid. Meski bertitel ”Real Madrid”, sekolah-sekolah ini tidak menekankan kurikulumnya pada keterampilan bermain sepak bola, tetapi lebih pada aspek sosial dan kehidupan kemasyarakatan.Sebanyak tujuh sekolah di tujuh daerah akan mulai beroperasi pada Januari 2012, pada proyek bersama yang disponsori Real Madrid Foundation dan International Social Sports Development Foundation tersebut.Di Madrid, Kamis (15/12), kedua belah pihak meneken nota kesepahaman kerja sama itu, disaksikan Duta Besar Republik Indonesia untuk Spanyol Adiyatwidi Adiwoso. Mewakili Real Madrid Foundation, Enrique Sanchez dan Direktur Hubungan Institusional Real Madrid Emilio Butragueno. Sementara International Social Sports Development (ISSD) Foundation, yayasan sosial selaku pelaksana teknis di Indonesia, diwakili Prof Toho Cholik Muthohir.Butragueno yang merupakan pemain legendaris Spanyol dan Real Madrid era 1980-an mengaku senang bisa melebarkan sayap sampai ke Indonesia dalam bidang pembangunan manusia melalui sepak bola. ”Apalagi, lingkup yang dikembangkan sangat besar, dari Aceh sampai Papua,” ujar Butragueno yang saat jaya dijuluki ”Si Burung Nasar”.Menurut Toho, kerja sama ini berkat pendekatan Dubes Adiyatwidi kepada Real Madrid, bulan-bulan terakhir. Real Madrid sebenarnya mengajukan sejumlah persyaratan ketat untuk pendirian sekolah-sekolah di Indonesia. Meski begitu, setelah diyakinkan dan meninjau lokasi, yayasan milik klub terpopuler di dunia itu sepakat menjalankan proyek sosialnya di Indonesia.Adiyatwidi mengatakan, dari sekian banyak misinya di Spanyol, sepak bola merupakan salah satu sasaran strategisnya. Real Madrid Foundation sendiri merupakan badan independen di bawah manajemen Real Madrid yang bertugas mengembangkan tanggung jawab sosial klub sepak bola tersebut.Badan ini percaya, olahraga khususnya sepak bola punya nilai-nilai khusus yang bisa menjadi pilar pendidikan manusia. Melalui keceriaan khas anak-anak dan kegembiraan sepak bola, badan ini ingin mengajarkan nilai-nilai sosial dan kehidupan kepada anak-anak di seluruh dunia. Sampai Desember 2011, yayasan ini sudah menjalankan lebih dari 30 proyek sekolahnya di empat benua, terutama di Amerika Selatan, Afrika, dan Asia.Toho menjelaskan, syarat berat yang diajukan Real Madrid Foundation antara lain dukungan pemerintah, infrastruktur, dan kerapian manajemen keuangan. Syarat lain yang juga ketat adalah anak-anak yang ikut dalam program ini harus datang dari kalangan tidak mampu dan tidak membeda-bedakan jender. (Anton Sanjoyo dari Madrid, Spanyol)

Thursday, December 15, 2011

Foto-foto Sejarah Terbentuknya Air Terjun Niagara

Niagara adalah air terjun besar di sungai Niagara yang berada di garis perbatasan internasional antara negara bagian Amerika Serikat New York dengan provinsi Kanada Ontario. Air terjun ini berjarak sekitar 17 mil (27 km) sebelah utara barat laut dari Buffalo, New York dan 75 mil (120 km) tenggara Toronto, Ontario.

Lereng bukit di keruk dengan traktor-traktor raksasa



Terlihat air mulai dialiri pelan-pelan



Terlihat aliran air mulai membesar


























OK DEH DARIPADA RIBUT NIH ANE KASIH UPDATE DARI MEMBER. WONG ANE JUGA KAGAK TAHU KOK... MALAH JADI RIBUT.. CAPEKKKKKK DEHHHHHHHHHH :

Jangan gambarnya curi2 saja dan dikasih keterangan palsu !!
Kalau mau tau gambar dan keterangan yang benar adalah begini:
(diambil dari
http://www.niagarafallslive.com/Fact...gara_Falls.htm)

1. Gambar yang ini adalah air beku jadi ES.... bukannya kering !

The flow of water was stopped completely over both falls on March 29th 1848 due to an ice jam in the upper river for several hours. This is the only known time to have occurred. The Falls did not actually freeze over, but the flow was stopped to the point where people actually walked out and recovered artifacts from the riverbed!



2. Gambar yang dibawah ini.. memang sengaja di stop.. untuk dipelajari bisa gak batu2 di dasar diambil supaya lebih baik, tapi diputuskan tidak jadi karena kemahalan ongkosnya... jadi dibuka lagi, dam-nya dibuka... gitu lho..

The flow over the American Falls was stopped completely for several months in 1969. The idea was to determine the feasibility of removing the large amount of loose rock from the base of the falls to enhance it's appearance. In the end the final decision was that the expense would be too great.


Wednesday, December 14, 2011

Ronaldo: Barca Lebih Superior Ketimbang Madrid



AFP
Legenda sepak bola Brasil, Ronaldo Luis Nazario De Lima.

SAO PAULO, KOMPAS.com — Legenda sepak bola Brasil, Ronaldo Luis Nazario De Lima, menilai Barcelona masih lebih superior daripada Real Madrid. Itu juga terlihat dari pertandingan "El Clasico", Sabtu atau Minggu (11/12/2011). Namun, dia berharap Madrid-lah yang akan juara Liga BBVA dan Liga Champions.

Ronaldo, yang kini sudah pensiun dari sepak bola, pernah membela kedua klub itu. Dia bermain untuk Barca antara 1996 dan 1997. Setelah membela Inter Milan, dia membela Madrid dari 2002 sampai 2007.

"Saya merasa Barcelona secara mutlak mendominasi (pada pertandingan "El Clasico"). Masih ada perbedaan teknik yang besar," kata Ronaldo kepada surat kabar Onda Cero.

"Saya berharap Madrid memenangkan La liga (Liga BBVA) dan Liga Champions. Barcelona memang masih superior dalam hal kualitas. Namun, Madrid bisa mengambil kepemimpinan klasemen pada Sabtu nanti," tambahnya.

Tuesday, December 13, 2011

Look out God, here comes the God Particle

So, I was at a holiday party last night--it really was a holiday party, hosted by an atheist who is also Jewish!--anyway, the French father of the host tells me that this week is the last one we will need God, because scientists are set to discover the Higgs boson this week (or announce it's discovery anyway), the particle that gives things mass according to the current Standard Model of particle physics. It's the "God particle," I guess, because in giving thing mass it makes possible stars and planets, which eventually produce life.

What's the connection? I have no idea. But it got me thinking about our February interview with George Coyne, a Jesuit priest and astronomer who is the former director of the Vatican Observatory. He related a conversation he had with the physicist Stephen Hawking, who has a theory that would eliminate the need for "boundary conditions," which, the best I can tell, is a set of assumptions that explain why the universe is the way it is. (Go read this if you are curious.)

According to Coyne, Hawking said that if his theory turned out to be true, "Then we don't need God." Coyne's reply: "Stephen, who told you that God or religious faith is a boundary condition for the universe?" (In Hawking's defense, I found him saying that his no-boundary proposal "says nothing about whether or not God exists--just that He isn't arbitrary.")

These kinds of conversations always leave me wondering if scientists and religious people are actually speaking the same language; it's clear to me that they aren't anyway. To be honest, I probably don't believe in the God Stephen Hawking doesn't believe in either. When he says "God," it's not the same thing I mean when I say it. And even if science unravels all the secrets of the physical universe, I don't think my faith will be threatened at all.

I guess what I'm saying is that I wish some scientists would quit trying to replace God and get to work on warp drive. Well, they can try to replace God if they want, but I would also still like them to hurry up on warp drive. I will probably still believe in God either way.

Wednesday, December 7, 2011

Rod Blagojevich Sentenced to 14 Years in Prison

120_rob_blagojevich_Getty_BN
Former Illinois Governor Rod Blagojevich was just sentenced to 14 years in federal prison on corruption charges.

Blago was convicted back in June after a jury found him guilty of 17 separate felonies -- including bribery and extortion -- for trying to sell the U.S. Senate seat vacated by Barack Obama.

Blago apologized today during his sentencing hearing -- claiming, "I've had plenty of time to reflect on all that's happened ... I'm here convicted of crimes and I am accepting of it, acknowledge it."

Blago added, "I am of course unbelievably sorry."

He has 90 days to turn himself in.

Sunday, December 4, 2011

ACC gets two in BCS bowls

In a word? Shocked. Here's the official word, though, from the ACC:

For the first time in its 14 years in the Bowl Championship Series (BCS), the Atlantic Coast Conference has had two teams selected to participate in BCS Bowl games in the same year. Clemson, the 2011 Atlantic Coast Conference Champion and ranked 15th in this year’s final BCS Standings, will represent the league at this year’s Discover Orange Bowl, while ACC runner-up Virginia Tech, ranked 11th in the final BCS Standings, was chosen as an at-large selection by the Allstate Sugar Bowl, it was announced Sunday.

Clemson will be making its first appearance in the Discover Orange Bowl in exactly 30 years. The 1981 Tigers clinched the school’s national championship in the old Orange Bowl Stadium, downing Nebraska 22-15 in the 1982 game.

Virginia Tech will be making its fourth appearance in the Allstate Sugar Bowl, having played Florida State in the 2000 game which served as the BCS national title contest; meeting Auburn in the 2004 game; and Texas in the 1995 Sugar Bowl classic.

In addition to the Tigers and Hokies, Virginia (Chick-fil-A), Florida State (Champs Sports), Georgia Tech (Hyundai Sun), NC State (Belk), Wake Forest (Franklin American Mortgage Music City) and North Carolina (Advocare V100 Independence), all accepted bowl invitations.


Again, more on all of this is coming, stay tuned ...

BCS: LSU and Alabama to meet in rematch for national title

Click here to find out more!Alabama-lsu_600

The verdict has been rendered and there’s going to be a rematch.

No. 2 Alabama (11-1) edged out No. 3 Oklahoma State (11-1) in the final Bowl Championship Series standings on Sunday to earn the right to play No. 1 Louisiana State on Jan. 9 for the national title.

Or was it wrong?

“We all have to live with the system,” Alabama Coach Nick Saban said on ESPN’s bowl selection show. “It sort of is what it is.”

The argument will continue for days, weeks, months and perhaps years.

LSU was the runaway winner of this year’s BCS race and Alabama seemed to have a healthy grip on No. 2 entering the final weekend of play.

Oklahoma State’s 34-point victory over No. 10 Oklahoma, however, turned it into a much closer race than anyone imagined.

LSU finished with a perfect score of 1,000. Alabama was No. 2 at .9419 while Oklahoma State was third at .9333.

“For whatever reason we came up a little bit short,” said a disappointed Oklahoma State Coach Mike Gundy.

Alabama and Oklahoma State offered compelling arguments.

Alabama’s only loss was a 9-6 overtime defeat against LSU.

Oklahoma State suffered a worse loss, a double-overtime defeat at unranked Iowa State. The Cowboys, however, were champions of the Big 12 Conference while Alabama did not win its own division of the Southeastern Conference.

Oklahoma State also had seven wins over schools with winning records as opposed to three for Alabama.

Texas Christian (10-2) failed to climb the two BCS spots necessary, into the top 16, to claim an automatic BCS bid.

Michigan (10-2), however, did become BCS eligible by finishing in the top 14 and will face Virginia Tech (10-2) in the Sugar Bowl.

Virginia Tech is coming off a blowout loss to Clemson in the Atlantic Coast Conference title game.

The final BCS standings solidified the major bowl lineup:

BCS championship: LSU vs. Alabama

Rose: Oregon vs. Wisconsin

Fiesta: Stanford vs. Oklahoma State.

Sugar: Michigan vs. Virginia Tech.

Orange: Clemson vs. West Virginia.

Controversy is nothing new to the 14-year old BCS.

In 2000, Florida State edged out Miami for the title-games pot even though Miami defeated Florida State in the regular season. Miami was also No.2 in both BCS polls.

In 2001, Oregon finished No. 2 in both polls but No. 4 in the final BCS standings. Nebraska finished No. 2 despite losing its last game, 62-36, to Colorado.

In 2003, USC finished No. 1 in both polls but No. 3 in the BCS standings. LSU defeated Oklahoma to win the BCS title while the Associated Press independently named USC its champion.

This year’s race more closely mirrored 2006, when the SEC and Florida argued against a rematch between Ohio State and Michigan.

Florida, after winning the SEC, claimed it deserved a shot at No. 1 Ohio State, which had defeated No. 2 Michigan by three points in Columbus.

This year, Alabama and SEC reversed course and lobbied in favor of a rematch.


--Chris Dufresne

Photo: Running back Trent Richardson, a Heisman Trophy candidate, and Alabama will get another shot at LSU in the BCS national championship game on Jan. 9. Credit: Streeter Lecka / Getty Images

British TV Drama 'State of Play' On BBC America Next Week, Take A Sneak Peek

Posted on December 4, 2011 by
The Penn State comparison is not accurate. Bama played Penn State in State College early in the season when Penn State had a lot to play for and no one had even heard of Jerry Sandusky. When Wisconsin played the Lions, it was in Madison and the
It was first aired on US TV in 2004, it has already been released on DVD and you may have even seen the Hollywood movie adaptation, but still, the absolutely brilliant British TV drama series 'State of Play' is well worth tuning in for when it airs
The Penn State comparison is not accurate. Bama played Penn State in State College early in the season when Penn State had a lot to play for and no one had even heard of Jerry Sandusky. When Wisconsin played the Lions, it was in Madison and the
Getting the one stop it absolutely had to have, upstart Vacaville held Folsom and Trosin on downs on its 40 with 2:28 to play and then ran out the clock to seal an edge-of-your-seat 39-35 triumph at Sacramento State to win the Sac-Joaquin Section

Thursday, December 1, 2011

Full Length "John Carter" Trailer is Here

Full Length John Carter Trailer is Here
Just yesterday Disney unveiled a new trailer for "John Carter" on ABC's "Good Morning America." Apparently that was just footage from the trailer, because now we have the entire thing. Check out the full trailer below.

The new movie is set on the mysterious and exotic planet of Barsoom (Mars) and tells the story of war-weary, former military captain John Carter (Taylor Kitsch), who is inexplicably transported to Mars where he becomes reluctantly embroiled in a conflict of epic proportions amongst the inhabitants of the planet, including Tars Tarkas (Willem Dafoe) and the captivating Princess Dejah Thoris (Lynn Collins). In a world on the brink of collapse, Carter rediscovers his humanity when he realizes that the survival of Barsoom and its people rests in his hands.

"John Carter" is directed by Andrew Stanton (Wall-E, Finding Nemo), making his first live-action film, and is set to hit theaters on March 9th, 2012.

Trailer:

Tuesday, November 29, 2011

TV Tonight: 'Rudolph the Red-Nosed Reindeer,' 'Glee,' Victoria's Secret Fashion Show


victoriassecretfashionshow.jpgView full sizeNo, this is not a photo from "Rudolph the Red Nosed Reindeer." The Victoria's Secret Fashion Show comes on two hours later than the other holiday favorite tonight.
"Rudolph the Red-nosed Reindeer": How nice to revisit our old pals Rudolph, Hermey, Yukon Cornelius, the Abominable Snow Monster and Burl Ives, singing "A Holly Jolly Christmas." Missing this would make me sadder than one of the castoffs on the Island of Misfit Toys. (8 p.m., KOIN)

"Glee": Tonight's episode focuses on the election for McKinley High student council president. Boy, they weren't kidding when they said this season would go back to the basics, without all that glitzy special themed episode jazz. What's next, an hour devoted to school cafeteria menu planning? (8 p.m., KPTV)

The Victoria's Secret Fashion Show: What the guys will be watching while the females in the house are watching "Parenthood," on KGW, or "Body of Proof," on KATU. (10 p.m., KOIN)

-- Kristi Turnquist

Community groups unite against coming school closings

November 23, 2011|By Noreen S. Ahmed-Ullah, Chicago Tribune reporter

A week before Chicago Public Schools is set to announce its list of school closings and consolidations this year, nine neighborhood groups said they are uniting to fight shutdowns of poor-performing schools in their communities.

At a news conference Tuesday, members of Action Now, Albany Park Neighborhood Council, Brighton Park Neighborhood Council, Enlace Chicago, Kenwood Oakland Community Organization, Logan Square Neighborhood Association, Organization of the Northeast, Southwest Organizing Project and TARGET Area Development Corporation said they want CPS to focus on improving neighborhood schools rather than closing them down.

"CPS policies have destabilized schools in our community," said Jeanette Taylor, a parent leader with the Kenwood group whose children attend Mollison and Robinson schools, both of which have been on academic probation for several years. "We're all fighting together. They aren't closing any more schools until they do right by us."

On Dec. 1, CPS plans to announce a series of moves, including closings of schools, consolidations of schools or moving two schools into one building. Every year, the announcements are met with community angst as parents protest against potential violence from children crossing gang boundaries for newly assigned schools.

Community activists see the closings as a way for the district to bring in more charter schools, which the activists say do not enroll many neighborhood students.

"We do not need new schools," said Leticia Barrera, an education organizer for the Logan Square Neighborhood Association. "Let's try to fix those schools that are in the neighborhood."

CPS officials said they welcomed the input from community groups. "We are excited and encouraged that community organizations are engaging with CPS to demand quality schools in their communities," said district spokeswoman Marielle Sainvilus.

The district says about 42 percent of district schools are on probation for low academic performance. With a new online tool that allows Chicagoans to read school reports for each school, district officials hope a more comprehensive look at a school's performance will lead some parents to demand better academic options, which would mean grass-roots support for closing failing schools.

Jitu Brown of the Kenwood Oakland Community Organization, which has developed its own blueprint to improve failing schools in Bronzeville, said he and members of other local organizations met with schools CEO Jean-Claude Brizard and other officials this week. They tried to get him to agree to a one-year moratorium on closing schools in Bronzeville, Brown said.

While Brizard did not agree to a one-year stay, he asked the community groups to submit written proposals for improving schools in their neighborhoods, Brown said.

"On the positive side, they are reaching out to us. But it's more about them telling us what to do as opposed to listening and exchanging ideas," Brown said. "What they want is a buy into what they want to do."

nahmed@tribune.com


Monday, November 28, 2011

Occupy L.A. protesters take to the streets; police warn of arrests

Maskdance
Just after midnight, a large crowd of Occupy L.A. protesters gathered in front of City Hall at the intersection of Spring and First streets.

Demonstrators held candles, beat on drums, waved signs as they moved onto the streets. "This ain't Mardi Gras!" one man shouted, as he attempted to usher people off the street.

LAPD Cmdr. Andrew Smith declined to give details about police strategy or tactics that would use to evict protestors. He said notices or citations would not be handed out, but rather that people would be arrested.


PHOTOS: Occupy L.A. eviction


"We will not discuss what our timetable is or what our tactics are," he said.

For now, Smith said the group appeared peaceful, but that after midnight they would be in violation of the law. Hundreds of people have been camped out at City Hall Park for the past seven weeks to protest what they see as economic injustice.

"We will be out here until they are done occupying," Smith said.

Meanwhile, protesters on the street continued to chant, "This is what democracy looks like!" and "Occupy Wall Street! Occupy Los Angeles! Occupy Everything! And never give it back."

But organizers encouraged protesters to move back to the park and not provoke the police.

Monday, November 14, 2011

Occupy Portland protesters push back after camp closures

Hundreds march through the streets past police after two encampments are shut down. Demonstrators regroup to figure out their next move.

Several hundred protesters, some wearing goggles and gas masks, marched past authorities downtown Sunday, hours after riot police forced Occupy Portland demonstrators out of two encampments in parks.

Police moved in shortly before noon and drove protesters into the street after dozens remained in the camps in defiance of city officials. Mayor Sam Adams had ordered that the camps be shut down Saturday at midnight, citing unhealthy conditions and the increasing number of drug users and thieves.

More than 50 protesters were arrested.

After the police raid, the number of demonstrators swelled throughout the afternoon. By early evening, dozens of officers brandishing nightsticks stood shoulder to shoulder to hold the protesters back. Authorities retreated and protesters broke the standoff by marching through the streets.

Demonstrators regrouped several blocks away, where they broke into small groups to discuss their future. Some were advocating occupying foreclosed homes; others wanted to move onto the Portland State University campus or to the shores of the Willamette River.

Police Chief Mike Reese told KGW-TV it had been his plan to take the parks in a peaceful manner.

"Our officers have performed exceptionally well," he said.

On Sunday at an impromptu news conference, the mayor defended his order to clear the parks, saying it is his job to enforce the law and keep the peace. "This is not a game," Adams said.

In other cities over the weekend:

— Friends confirmed Sunday that Scott Olsen, an Iraq war veteran who suffered a skull fracture during a police raid on the Occupy Oakland encampment, had been released from the hospital. Olsen was injured Oct. 25, and Occupy supporters around the country had rallied around his plight.

Also Sunday, police said that a man slain Thursday near the encampment had indeed been staying there; he was identified as Kayode Ola Foster, 25, of Oakland.

And for the third time in three days, Oakland city officials warned protesters that they did not have the right to camp in the plaza in front of City Hall and that they would face immediate arrest.

— In Salt Lake City, police arrested 19 people Saturday when protesters refused to leave a park a day after a man was found dead inside his tent at the encampment.

— Police in New York arrested 24 Occupy Albany protesters after they defied an 11 p.m. curfew in a state-owned park. They were charged with trespassing.

— In Denver, authorities forced protesters to leave a downtown encampment and arrested four people for interfering with officers who removed illegally pitched tents, police spokesman Sonny Jackson said.

— In San Francisco, police said two demonstrators attacked two officers in separate incidents during a march.

Tuesday, November 8, 2011

Markets fluctuate, Investors Secure Their Portfolio

The results of the G20 summit did not produce many concrete decisions. Global investors tend to choose a new attitude of waiting for certainty over Europe. They are many who secure a position their portfolios in the face of uncertainty.

According to a research note Indosurya Securities, changes in government yesterday not sure the fate of Greece and Italy make the pace of financial Composite Stock Price Index (CSPI) held back as in the previous estimate. Many investors to secure a position facing an increasingly uncertain situation.

Release of GDP during the third quarter of 2011, which reached 6.5 percent (YoY) in which is driven by the trade sector, could slightly restrain trade penurunan.Selama, JCI was penetrates 3791.82 level (highest level) at the beginning of session 2 and also briefly touched 3765.24 (lowest level) at the beginning of the session 1 and finally managed to perch on the level of 3778.24. Trading volume and the total value of transactions recorded down.

In trading Tuesday (8/11/2011) JCI is expected to be in a support 3751-3765 and resistance 3791-3805. JCI forming spinning black as well as forming a bearish harami pattern.

Position between the upper and middle Bollinger bands. MACD histogram positive retained pelemahannya with shortened. RSI William's% R and Stochastic still stuck into the overbought area.

Fluctuations CSPI will likely re-occur in the middle of a situation that has not been yet, menghijaunya U.S. stocks overnight at least able to defend the position of JCI to remain in the green zone.


If we have deficit income, can we invest?

Under no circumstances will any human being obliged to make investments in order that we can maintain and even enhance the lifestyle of today and tomorrow, and also so that we can achieve future financial goals. In other words, investment is mandatory for those who do not want to be a reduced purchasing power in the future.

The problem is:
1. Do we have a sufficient portion of the money to invest?
2. What if in fact we do not have a portion of investment?, Or even
3. We tend to run into deficit (lack of) money?

For the first problem is a wise solution to the efficiency of expenditure, do it with a minimum target of 10 percent of expenditures. Efficiency in question is rescheduling expenditure that is convenience. Efficiency is done as much as possible instance of the use of cars every day changed to once every 2 days. The changes are transferred by means of mass public transport or using the motor even use a bicycle to work for example, why not?. Remember the investment objective is to delay the pleasure and comfort at this time (not eliminate) but get a much bigger future.

For the second problem is the same answer to the problem at first but it certainly remains to be coupled with more sacrifices to cut the amount of spending to be trimmed more significantly, its implementation should be done with extra tight, and certainly with a sacrifice. Suppose that car use was reduced to only use on weekends, the rest by means of mass transportation. Maximum power consumption savings, home air conditioning (if any) is used only on a limited basis at certain hours, as well as the use of water pumps and so forth.

Patterns pikirpun mandatory for us to change with 'only' considers that our revenues by 90 per cent of the total funds received each month. Target expenditure amounted to a maximum of 90 percent so the remaining 10 percent is the value we have to pay as an appreciation for the benefit of future self and beloved family. Let us return to the investment philosophy is to enjoy the maximum desire in the future.

The third problem is the heaviest of the two previous cases, the answer is the same as in the case of the latter but also must be added to see the presence or absence of productive assets that can be optimized (in terms of economical). In terms of seeing whether there is an asset that can dioptimal financially then we must think clearly so that the action taken can truly meet our needs for investment. Remember our goal today is to invest.

Next after you make an evaluation and it still has assets that can be 'economically empowered' then do not waste too much time to do it, immediate action (action). Suppose you have a house with a strategic location, close to bus terminals, train stations or adjacent to the central business then you can do business in the real sector by opening a boarding house that is integrated with shops selling daily necessities (such as mini markets). In this case you start to do business or businesses in the real sector, the ability of management or business management is a primary key.

But if you do not have a home then if you should be silent? The answer is no! You may still have a car or motorcycle, optimalkanlah. Rent your mobile assets, earn income from it calculate the cost of care and all hazards are correctly and accurately. The point is that you try to not add to the deficit but reduce it so that the deficit eroded until exhausted.

The next question is where did the money that I use for capital? You know my condition a deficit, how is it possible? Change your mindset! You do not own a lot of people whose condition is far worse than you but still successful. Use means of loans from banks, for example if you want to build a boarding house and mini market, guaranteed your property, get business credit with a maximum count rate for mortgage interest. The move is leverage or leverage your personal assets growth.

Once the business starts rolling then use the results of your efforts optimally, once again obliged to use optimally by dividing some of the results to do business in the financial sector, for example if you buy mutual funds or repay the purchase of gold. Up to this point you've started to build a 'portfolio investment' which is the accumulation of your investment real and the financial sector. This means that you have started to diversify the business. Thus your business failure risk factor becomes less and this means the potential of your assets any additions to be increased.

Then the reader is wise, how we can make investments in the financial sector correctly? Look forward to our next article will discuss about the financial sector investments. Thus the reader if the troubleshooting is done correctly it consistently has the potential to be the one to get rich by doing a combination of investment in the real sector and fianansial

Free from the grip of Debt

Remember the 10 statements in my previous article (Debt, Helpful or harmful? ", Kompas.com, May 31, 2011)?, That if there are at least four are suitable or appropriate to your current behavior, then you've are in financial trouble?

What actually is the financial problem? It may be that we are not aware that the more debt piling up, the loss of purchasing power to make us have to do some behaviors of the 10 statement.

Or even you have entered the circle of "devil" whose name is entangled clutches of debt? Obviously very high psychological distress was felt. Not infrequently we find news of people think the short to commit suicide because of debt trapped grip. Blau also horror ghost whose name this Bond grip huh?.

Dear readers, caught in the grip of debt is not the end of everything. As long as we have the will to be free from the clutches of debt, rest assured the Creator will provide guidance and ease.

1. Changing Lifestyle Financial
The biggest obstacle in order to resolve we are liberated from the clutches of debt is to change our financial lifestyle. Financial lifestyle is a dynamic relationship between the revenue (income) and how we use it (spending). Be aware that financial lifestyle has brought us all this time we are caught in the grip of debt. So be owner's determination to change your lifestyle. Begin by recognizing the right, whether we are for this pattern of spending more to fulfill our desires?

Be concerned first to better meet our needs rather than our desires. At least until we are liberated from the clutches of this debt later. Make a financial plan lifestyle changes that focus on the efficiency of the monthly budget. I recommend to be made in writing.

2. Recognizing the current debt structure
To obtain an optimal solution to the problem, the main requirement is that we must know exactly the problems encountered. How much debt is still outstanding? How many monthly expenses that must be available to resolve these debts. Arrange in writing and list the priorities of the smallest amount of debt.

3. Identify current capabilities
From the results of the determination of financial lifestyle change, we know how our ability to set aside our income to be allocated on a plan of repayment of our debt burden. So that we can calculate how much a lack of funds to meet the minimum requirement monthly expenses. When it comes to this step, but the result is we have been able to pay our debt burden of the minimum requirement. Immediately do the actions as planned with disiplin.Perlu mind, that set aside revenue is an activity that must be done first before we use it further. When still a deficit, continue next step.

4. Debt renegotiation with the Giver
There is always a way to alleviate the debt burden we work through the lender. Talk about the difficulties we face and negotiate the best scheme that could be given the creditor as a solution, both in terms of the rescheduling of repayment of time until the reconsideration of loading rates. When the results of these negotiations have not been able to meet the needs of the debt repayment plan, we can try the next step.

5. Leveraging existing assets
If we still have assets, the easiest way to utilize the assets to reduce or pay off our debt burden is to sell it. But as a consequence, we lose the benefits of the asset. It's good we are considering to utilize these assets as security / collateral for new debt. For the record, the funds can be generated must be paid all our debts or at least most of them (at least 80 percent of the total burden of debt).

Look for new debt scheme that provides opportunities payback time is long enough and interest rates as low as-rendahya to get the loan amount is large enough, with a lighter burden of repayments. This step is commonly called the takeover of the debt (Debt Take Over). If you can not directly, at this time there is a third party who can help and act on our behalf. This third party which will deal with the bank (or other financial institution). Of course there are fees to be paid for services maintaining it.

6. Looking for a loan "SOFTWARE"
Given the financial problems is quite sensitive and personal, this step can be used as a last alternative. Loans "SOFTWARE" in question is to borrow some money to family or our closest relatives. Ask a long enough period of time and the installments without interest. Talking about the difficulties faced. Repayment is fully committed to keeping our promise. Please note, ties are far more important than money.

7. Maintain and Develop New Financial Lifestyle
We do not easily satisfied at the time of our goal to be free from the clutches of debt is reached. (If you are able to pay the mortgage debt on time means we are free from the grip is not it?). Continue lifestyle is better to achieve our financial goals next. Tingkatkanlah value can be set aside according to ability. We will be amazed of the power to set aside at the beginning of this revenue. Perhaps at some point later, we are surprised to find that we have the financial ability.

There is still potential to develop financial capability we have, by digging again our ability to earn more income (additional income). Continue to explore this potential over the interests we have. We not only be freed from the clutches of debt, it will even be able to pursue our financial goals. May be useful.

How to Financial Freedom?

Who has not ever heard of financial freedom? Of course you all must have often heard the term. And most people who work must crave, desire in order to achieve financial freedom. But does that really mean financial freedom?

Financial freedom is where seseorangan achieve considerable savings and relatively safe, and the results are sufficient for her to live the lifestyle you want. Financial freedom can also be defined as the phase when we are in peace and the option to not work anymore for the money, because money that works for us (passive income). The definition of passive income is the money coming here without having our work.

Savings can be achieved by various means, such as by savings deposits, time deposits, but to get better results then that is above the inflation rate, combined with compulsory saving as investing in mutual funds, stocks, property, etc..

The revenue generated from the active income is the income earned for work and wages are paid or received and if it does not work will not earn a living. Just a note if we work as a general employee salary increases (income) obtained under the inflation rate, so that purchasing power to decline with increasing time. To cope with these conditions then it would be wise if we have a growth-oriented assets in the works.

If not then we have the potential to work continuously, the following differences in orientation to work is:
1. Work => active income output => lifetime work;
2. Work => asset => passive income output => financial freedom.

Phase in order to achieve financial freedom, would have done saving & investing activities, namely:
a. Saving & investing = Consumption This is the ideal condition where the savings & investments are in proper balance with expenditures, that is income received only 50 percent is used for consumption, while the rest for savings and investment. Usually this pattern is suitable for young unmarried which the liability (liability) / debt does not exist. To reach it we must work smart, how our money can work hard for us and generate passive income.

b. Saving & investing = Consumption - Debt
In this pattern of saving and investing less due to debt obligations (debt), on indeed under ideal conditions but still reasonable. This stage usually occurs for those who are married. The times and the financial industry, encouraging the growth of debt instruments, this led to the use and attempts to get utangpun becomes easier. Now more and more found debt-based consumption (credit card, the KTA or credit without collateral, etc.).

Because of this, just keep a balance between saving, Investment & consumption alone is not sufficient, but must be coupled with a get around so we can get out of debt. Debt is the primary freedom killer. Want financial freedom? The first thing you should do is get out of debt. That is priority number one.

c. Saving & investing = Consumption - + Debt Protection
This pattern is most wise for those who have married and had children, although saving and investing is not for the previous stage but the cause is the allocation of funds for protection (risk management) is usually in the form of insurance premiums.

In line with berkembanganya insurance industry and increase education funding would also affect financial freedom. Because we have to meet the element of protection for himself and family in the form of insurance and investment funds for education.

There are several stages before reaching financial freedom (financial freedom), namely:
1. Financial Protection is a financial condition where we have enough money to meet the minimum monthly expenses for 2 months to 24 months without working.
2. Financial Security is a financial condition where we have quite a lot of investment is relatively safe, and the result can meet the above minimum requirements without having to work again, unless we choose to work.
3. Financial Vitality is a financial condition where we achieved quite a lot of investment is relatively safe, and the result is not only at a level sufficient for Financial Security (above the minimum) but also can meet secondary needs without having to work, unless we choose to work.
4. Financial Independence is a financial condition where we achieved quite a lot of investment is relatively safe, and the results are sufficient for us to live exactly with our current lifestyle. In other words we are free not to work.
5. Financial Freedom is a financial condition where we achieved quite a lot of investment is relatively safe, and the results are sufficient for us to live the lifestyle that we want (better than the lifestyle now).

Had reached the stage where you are?

Another important factor in achieving financial freedom for you is largely determined by your lifestyle today, tomorrow and the future. Some people prefer the simple life, and will always want to live like that, then this type will achieve financial freedom faster rate than in those who have the luxury lifestyle. In the end, financial freedom is about control of expenditure against ourselves. Financial freedom is a choice rather than chance

Do I have Ideal Income?

"Wow son, I'll buy ya .. aja, now again .. ni responsibility moon," That phrase seemed familiar to our ears. Yes, it is familiar not because we like to use that phrase, but we are forced to issue a sentence. This was due to the fact that income or salary that we get is only able to "feed" us for 20 days or even less than that in a month.

Yes, this is a fact that happens, we often feel salary is not enough, still less, let alone for savings or investments, fulfill our desires are still lacking, so once again still less!.

Then the next question is how much salary is reasonable for us? Readers are wise, to answer it would be nice if we make an honest evaluation and introspection, for it please to answer some questions below and record the results:

1. How long (years and months) I have received a salary?;
2. How many times have I experienced a salary increase?;
3. How rupiahkah when we received my first paycheck? How big rupiahkah my current salary?;
4. Will I always pay the mortgage debt each month?;
5. Is there any part of the salary that can be stored for investment?
6. Is my current deficit (salary can not survive until the end of the month)?, If she answered 'no' then we say goodbye but if jawabanya'ya 'then this is where lies the problem.

For those of you who answered 'yes' then the next step is to do your income valuation, in doing valuation, the answer is there are only three groups, namely:

1. Stages of the poor (Poor Income Valuation);
2. Stages of the fair (Fair Income Valuation);
3. Stages of an ideal (Ideal Income Valuation). Well here is an explanation and solution of the group - the group:

Stages of the poor (Poor Income Valuation): is the stage where the condition of total expenditures greater than income or known as the "Big Stake from the Poles", in this condition a deficit cash flow or negative weights accompanied by monthly installments payable over 45 percent of the total of income.
In the case example above shows that: 1. Expenditure (deficit) Rp 1,250,000. 2. Mortgage debt exceeds the normal maximum limit per month ie excessive deficit amounting to Rp 1.85 million or 23.13 percent of the mortgage debt limit of 30 percent or Rp 2.4 million.

This means that, in that case, which concerned the potential to cover the deficit (lack of) by adding debt. Hmm .., has the potential to 'dig a hole close the hole', watch carefully if the oversize hole will be easy to fall!. Debt is usually obtained from Credit Cards, Loans Without Collateral (KTA) or with other types of debt. The way is very dangerous and can not be justified.

I say that the condition must be stopped and this habit, stop as soon as possible. My advice is to this condition should immediately ask for financial assistance, remember the help and not a loan for a short period of time. Or try to make long-term soft loans, will eventually be returned if it has any ability.

The loan guarantee is what? if any property can be guaranteed, but if there is nothing so the only way is a personal guarantee (myself), this can be done by calling the relationship or a very close family.

Well any tips you should be clear, in the same time before you borrow or ask for help, you also have to find a solution with the aim of increasing the income it can be done by:

a) While you are still working, you are obliged to seek additional revenue (through capital loans to businesses with a relation or next of kin are) doing a feasibility study that accurately and objectively so that the potential success of your business becomes bigger than the possibility of failure;

b) Attempting to increase salaries by moving to work or perform work even harder (mainly for the salesperson or salesman) so that the commission or bonus increases;

c) Pressing regular expenses (do efficiency) with strict;

d) Do not forget to perform risk management by life insurance with a sum assured is sufficient to return the loan (remember death will surely come, but unknown time);

e) As the input is of type YRT life insurance (Yearly Renewable Term) instead of another, for example a male non-smokers aged 35 years, sum USD 500 million, the range of premiums on insurance YRT per year is Rp 1.5 million to USD 1.75 million.

Next, you must convert to a reasonable stage, the following explanation:

Stages of the fair (Fair Income Valuation): is a condition where you do not deficits, big debt remained above 30 percent of revenue, but is concerned is able to make investments for the welfare of him and his family later, serving a minimum investment amounts to 10 percent of income . Then is how do we change from poor conditions (poor income valuation) into a reasonable condition (fair valuation income), well above for the case of how much income is reasonable?, Here is the formulation of fair valuation of income, namely:

Total spending in deficit / 90 percent

Why the divisor should be 90 percent? This is because to achieve financial freedom or your zone is richer then the mandatory minimum of 10 percent set aside income and placed on the right as well as investment is concerned also have to maintain the mortgage debt continued to decline until perilously close to the maximum limit of 30 percent of your income.

So the case (Table 1 above) income to $ 10,277,777. Or for details please see the following table


Analysis: the table shows that the deficit is zero, and mortgage debt to income declined from the weight of 45.95 percent to 41.35 percent. The condition has been better though not yet a stage ideal (Ideal Income Valuation).

Last stage is the ideal stage (Ideal Income Valuation): at this stage the individual / family is already on a sound financial corridor, which is appropriate table:


The formulation is Ideal Income Valuation:

Perbulan/30 percent debt repayments + expenses (excluding mortgage debt)
Analysis: seen that the weight of mortgage debt has reached less than 30 percent of 22.17 percent and a surplus of revenue amounting to 41.74 per cent and there are excess funds can be added to an investment of USD 8,000,000 or 41.74 percent.

The next question is how do I get the extra income?, The answer is already stated in this article that is in the form of your tips or ask for help before borrowing funds (point a to e). This is not easy but at least it's not something impossible. At least you already know the limits of a healthy income in accordance with your condition.

In this case the income deficit of Rp 8.000.000, - to be enlarged into a surplus in the range of Rp 10,277,777 to $ 19,166,167 for the corresponding can be richer in the future.
As information of income and mortgage debt in question here is can be considered income and installment uutang combined (husband & wife).

But contrary to realistically we must be prepared and shall perform 'super extra tightening' of expenditure if forecast to earn extra income not yet appeared, although funds have been available