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20
May

Final results of the 2010-2011 Bundesliga

One of the defining factors of European soccer is that the dominant teams tend to win again and again, but the German Bundesliga has proven itself immune to that rule over the past five years, with four different teams taking home to the title.

This year, it was Borussia Dortmund that ended up on top of the league, capturing their seventh title overall and first since 2002. Dortmund ended up with a seven-point advantage over Bayer Leverkusen, which looks like one of the strongest up-and-coming squads in the Bundesliga. Leverkusen has never won the title, so look to them to be hungry contenders next year. Both of these teams will also start in the playoff round of the Champions League.

Finishing third this season was powerhouse Bayern Munich, in what has to be considered a disappointing campaign. Last season, Bayern advanced all the way to the finals of the Champions League, where they lost to Inter of the Italian Serie A. They were again eliminated by Inter in the Champions League this season, although this time in Round 16. Bayern has earned a berth in the Champions League next year with their third-place finish, but they’ll have to win a playoff to do so.

No doubt that fans of these three teams will be celebrating their success this season as they prepare for what’s sure to be an exciting year of top-tier European competition next season. Those who want to contribute to their family’s festivities back home send family and friends an international wire transfer.

As far as the Europa League goes, two teams have already qualified. Hannover 96, in fourth place overall, will start in the playoff round, while FSV Mainz 05 will begin the third qualifying round. The final Europa League spot will go to the winner of the DFB-Pokal tournament final, and it should be an interesting match to say the least.

A rare feat has occurred this year in that a team from the second division has made it all the way to the end, with MSV Duisburg looking to punch their ticket to European competition. They’ll have to get by Schalke 04, a team that performed extremely well in the Champions League this year despite a terrible performance in the Bundesliga. Schalke 04 is obviously the favorite, but the underdogs never go down easily in matches of this magnitude. Either way, it’s a win-win for the fans – they either get to see an excellent team in Schalke 04 next year, who would have a very good chance of winning the entire Europa league, or the underdogs is MSV Duisburg, who would be fun to watch in international competition.

The German soccer system is interesting in that it uses a somewhat rare system for determining promotion and relegation. All leagues guarantee the top two finishers of the lower league are promoted, but many have a playoff for the four teams placed 3rd through 6th in order to earn promotion. In Germany, the 3rd placed team in the second league actually plays the 16th placed team from the top league in a two-legged matchup, with the winner advancing on aggregate.

This year, it was Bundesliga side Borussia Monchengladbach fighting to stay in the Bundesliga against VfL Bochum, looking to be promoted from the second division. Monchengladbach took a 1-0 lead in the series during the first leg, but with one match to play VfL Bochum could very well end up in the Bundesliga next season.

Regardless of that matchup, it’s already been decided that Eintracht Frankfurt and FC St. Pauli will be sent down, while winners of the Bundesliga 2 Hertha Berlin and runners-up FC Augsburg will join the top division next season.

18
Apr

Learning languages in your new country of residence

One of the most difficult parts of moving to a new country is learning the language. For adults in particular, picking up a new dialect can be a very trying experience, but with a little preparation, it may be easier than you think.

When learning a new language, the earlier you can begin, the better. Even if you won't be moving for a while, consider purchasing an online program or enrolling in a language class in your native country. That way, you won't be at a loss when it comes time to make the big move.

Participating in a class with a friend or family member may be helpful. Learning something with a loved one can make the experience more enjoyable, and it will allow you to practice the new language even after class has ended.

There are other small things you can do to improve your language skills. For instance, change the language on your mobile phone. Though this may not teach you very many words, it will help you adjust to seeing a new language on a regular basis.

The language learning experience doesn't end after you've moved, even if you have already completed your schooling. There will likely be slang words that you didn't learn in class, and you'll also have to develop your conversational skills.

Most importantly, be confident! Languages are easier after you practice, so you should try and speak to people in the new dialect as much as possible. This may mean stumbling through a few difficult conversations, but if you explain that you're new to the language, it's likely that people will be understanding.

Additionally, you should try to limit the amount of reading and talking you do in your native language, at least for a while. If you've moved with your family, consider making a rule that you must use the new language during dinner time or after 5pm.

You'll also want to brush up on your reading skills, so consider purchasing a book in the new language. It may be wise to read something you've already read, so that you will be able to make connections between the new language and your own prior knowledge.

If you have friends and family back home who are planning to join you in your new country, consider sending money online to help them get a head start on their own language development.

12
Apr

What to do with a vehicle when moving to a new country

If you are planning on moving to a new country, you may be wondering what you should do with your vehicle. While moving small items can be done easily by shipping them through a moving company or on your own, vehicles are much larger, and pose more of a challenge.

Much of the issue depends on what type of move you are making. If you are emigrating to a country that can be reached by driving, then it may be easier to move your vehicle yourself. This is most practical for short moves, such as from one European nation to another.

Moving a vehicle over longer distances may require you to enlist the help of a professional service. There are a number of companies that offer assistance moving cars, and some may even be able to do so for a lower price than what it would cost to drive the vehicle on your own.

If you want to save extra mileage, then it may be wise to find a company that offers to move the vehicle on a truck, rather than one that will drive the automobile for you. This can also result in less of an environmental impact.

If you are moving overseas, you will need to move your car by boat in order to have their vehicle in their new country of residence. There are a number of private services available that will make this process easy, and it’s best to do research before making a final decision. Visit the Better Business Bureau’s website to ensure that the company is legitimate.

When you have decided on a company, there are a few additional steps necessary before the car is ready to move. It’s always best to clean it thoroughly inside and out, and be sure to remove any personal items.

Most car companies will perform an inspection of the vehicle before shipping it, and it’s best for you to do so as well. When the automobile arrives in the new location, be sure to look it over thoroughly to ensure that it is in the same condition it was before you moved.

Moving to a new country can be an expensive process, and many people rely on family and friends who have already moved to a new country to wire money to help support the effort.

15
Mar

Inteligencia Financiera: Ahorrando en tiempo de crisis

Ahorrar significa simplemente guardar dinero para usarlo después. Es una actividad incluso saludable que produce tranquilidad emocional para enfrentar tiempos difíciles.

Sin embargo, el ahorro puede tornarse algo difícil de realizar especialmente en un ambiente donde el fantasma de la crisis financiera pasada aún se siente, entre despidos, alzas en los precios de la gasolina, y de la comida entre otros, sólo pensar en ahorrar para la comunidad latina pareciera un problema.

 Mantener un ahorro disponible nos permite estar preparados para el futuro, suplir gastos inesperados, planear vacaciones, e incluso si estamos habituados a enviar dinero a nuestros países esta suma podría incrementarse.

Lo primero que tenemos que identificar es nuestro ingreso y cuanto gastamos. Debemos identificar entre nuestros gastos fijos mensuales, como la renta o hipoteca, seguros, préstamos, y gastos variables mensuales como impuestos, comida, ropa, gasolina, arreglos del carro, reparación de la casa, entretención, etc.

Luego que identificamos nuestros gastos, sabemos dónde va el dinero y tenemos más control y sabemos cuánto dinero necesitamos para cubrirlos. No obstante, nos podemos encontrar con sorpresas, como cuando nuestros gastos son mayores que nuestros ingresos, ahí estamos en un problema.

La fórmula del ahorro es simple, nuestros ingresos deben ser mayor que nuestros gastos, para ello tenemos dos opciones aumentar los ingresos o reducir los gastos.

Sabemos por experiencia propia que aumentar los ingresos es difícil, pero reducir los gastos es posible una vez que los hemos identificado, sin mencionar que nos daremos cuentas de gastos innecesarios que hacemos sin darnos cuenta.

Podemos ahorrar dinero siguiendo unos pasos sencillos:

Gastar menos, esto incluye también no comprar lo que no pueda pagar. Suplir necesidades en lugar de deseos es la clave.

Disminuir y evitar las deudas, un consejo es pagar un poquito más del mínimo en las tarjetas de crédito para así ir reduciendo el capital. Reemplazar las tarjetas de crédito por débitos, así gastaremos lo que dispongamos.

Revisar los estados de cuentas, encontraremos servicios que no hemos solicitado o no usamos, como en el teléfono residencial, coberturas de seguros que no necesitamos, y cargos por mantención en servicios bancarios que pueden ser eliminados por ejemplo al abrir una cuenta de ahorro.

Hacer una lista, para comprar de manera inteligente en el supermercado.

Destinar efectivo a una cuenta de ahorro adquirir el hábito de poner algo de nuestro ingreso en un fondo para ahorro. Requiere disciplina, pero es motiva el hecho de ver como los fondos van creciendo.

 

Leer más artículos sobre inteligencia financiera:

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23
Feb

Netherlands narrowly beats out England in ICC Match

England’s cricket team narrowly beat out the group from the Netherlands on Tuesday, February 22, in a thrilling match that was part of the ICC Cricket World Cup. England’s six-wicket win was only eight balls over their opponent’s final score, according to Reuters Africa.

Ryan ten Doeschate, batsmen for The Netherlands, had a particularly good showing, and it seemed as though he was going to lead his team to victory. England’s players may have been slightly embarrassed by their sloppy bowling and fielding efforts, according to the news source.

Many British citizens have traveled to India, where the games are taking place, in order to watch the games first-hand. Visitors to the region will have someone at home who can wire money should they run out of funds.

“We got a lot of things wrong with our bowling, and we let them off the hook three or four times in the field as well,” British skipper Andrew Strauss told the news source. “So it was very poor first 50. We’ve got to take that on the chin, learn from it very quickly because we can’t afford to do that too often.”

Notable performers on the British team included Strauss, as well as Paul Collilngwood, Ravi Bopara and Kevin Pietersen.

The game took place at the Vidarbha Cricket Association Stadium, in Nagpur, India. The field opened in November of 2008, and has only been used three times in previous matches.

The next game will be played on February 23 between Pakistan and Kenya. England’s next match isn’t until February 27, when the British boys will take on India at the M.Chinnaswamy Stadium in Bengaluru, India. The Netherlands team won’t compete until the 28 of February, when they will take on the West Indies.

This is the 9th edition of the Cricket World Cup, which was first played in 1975. Australia’s team has the most wins, having won the 1987, 1999, 2003 and 2007 games.

There will be millions of people watching the games on television, live and via the web. Those who want to catch all the action of the beloved games can watch every cricket match online.

22
Feb

Copa Libertadores 2011

El pasado jueves 17 de Febrero, los hinchas del equipo brasilero Gremio se dieron un gusto al presenciar el holgado triunfo por 3 a 0 en contra de un débil Oriente Petrolero. Si bien, el partido fue parejo hasta el primer tiempo, el equipo boliviano empezó a tambalear cuando se cobró un penal inexistente a favor de los Gauchos, lo cual inclinó el resultado para Gremio.

Si bien, Oriente Petrolero hizo un buen debut en los primeros minutos del partido y no se vio atemorizado por el poderío del equipo brasilero, el segundo gol que llego a los 49 minutos fue decisivo y marcó la debilidad del plantel Boliviano.

Asimismo, otra sorpresa la dio el equipo paraguayo Cerro Porteño quien derrotó a uno de los grandes equipos chilenos, Colo- Colo por un 5-2. Cerro Porteño se mostró más fuerte que su rival en el primer minuto, permitiendo un gol de Roberto Nanni.

A pesar del frenético comienzo, Colo-Colo logró marcar en el minuto 12 del partido, sin embargo las diferencias para derribar a Cerro Porteño se hicieron mayores al transcurrir el partido. Según Luis Perez , entrenador interino de Colo- Colo, “en realidad, fue un partido muy extraño. Dimos algunas licencias importantes, que en Copa Libertadores son decisivas. A los dos minutos regalamos una jugada y comenzando el segundo tiempo otra más. Sin dudas tuvimos debilidades en las dos áreas. Los goles que nos convirtieron pudieron haber sido lapidarios pero el equipo tuvo fuerza para levantar y tomar las riendas del partido. Desafortunadamente no tuvimos la precisión para haber concretado las opciones de goles, porque pudimos terminar el primer tiempo en igualdad”, declaró el DT tras el partido.

En toda Sudamerica el fútbol es reconocido como el deporte que atrae mayor número de fans, es por esto que muchos ahorran un envio de dinero para viajar s los distintos países donde se desarrolla la Copa.

21
Feb

ICC Cricket World Cup starts off with a bang

The ICC Cricket World Cup is officially underway, as the first matches of the event took place over the weekend. Here’s a review for those who missed the games. In the future, be sure to catch all the action and watch every cricket game online!

In the first match of the event, India beat Bangladesh by 87 runs, according to The Times of India. However, despite their large win, the team from India still has some tactics they need to work on. According to the news source, there were many misfields. However, Virender Sehwag, Man of the Match, was pleased that he helped lead his team to victory in the high-profile game.

In the next game, which took place on February 20, in India, New Zealand beat out Kenya by 10 wickets. Many people living in India attended the game, and some were aided by family and friends who were able to send a money transfer to India to help cover travel and ticket expenses.

Sri Lanka was victorious in the next game, beating Canada by 210 runs on February 20, at the Mahinda Rajapaksa International Cricket Stadium in Hambantota, Sri Lanka. According to the Sunday Observer, Sri Lanka’s Mehela Jaytawardne made 100 off 81 balls while Kumar Sangakkara scored 92 off 87 balls.

Finally, in the most recent game, Australia defeated Zimbabwe by 91 runs. This match took place at India’s Sardar Patel Gujarat Stadium in Motera on February 21. Shane Watson is seen as the lead player on the Aussie team, putting up 61 for the first wicket with Brad Haddin, and then completing a total of 79 from 92 balls, according to CNN.

The news source reports that Australia is vying for the overall win of the tournament this year, which would be their fourth victory in the ICC World Cup in a row. However, judging by the other results of the matches so far, it looks like the team from Down Under will have plenty of tough competition.

The next event will be played on February 22, and will pit England against the Netherlands at the Vidarbha Cricket Association Stadium in Nagpur. Following that, Pakistan will take on Kenya on February 23 at the Mahinda Rajapaksa International Cricket Stadium.

2
Feb

Ryan Giggs to play another season for Manchester United

Acclaimed football player Ryan Giggs has signed on to play another season for Manchester United in the UK, according to the Canadian Associated Press. This has big implications for every team in the league, as Giggs is often hailed as one of the best players in history.

The 37-year-old winger doesn’t show any signs of wanting to stop the sport just because of his age. Thus far, he has played a record number of games with Manchester United – 856 times – since he originally made his debut in March of 1991.

“You can see his fitness – it is incredible. He could do another year, who knows, another two years,” United manager Alex Ferguson told the news provider.

Giggs was recently named the best player to ever play for Manchester United, claiming the title from challengers such as Bobby Charlton, George Best and Eric Cantona, according to Yahoo Sports.

The choice was made by fans of all ages, who flocked to the website of the club’s magazine, Inside United, as well as the Facebook page to give their feedback. He was chosen over the other candidates by a large margin, according to The Times of India.

Ferguson told Inside United that he wasn’t surprised about the results, the news source reports.

“Longevity always comes into play in these things and Ryan has been around here for more time than any other player,” he said. “He recently appeared in his 600th league game, which is an exceptional achievement.”

He added that Giggs’ performance has been in top form for two decades.

While Giggs himself said that he was a little surprised about winning the title, especially with the respectable competition on the Man U team, he did seem to echo Ferguson’s sentiments about longevity, saying that he didn’t feel 37.

Many fans will conduct a money transfer upon hearing the news, particularly those who are interested in sports betting. Giggs’ extraordinary performance is expected to continue next season, which could have a lot of benefits for Manchester United’s performance.

Giggs has thus far won 11 Premier League winner’s medals and is looking toward number 12. Additionally, he has won four Football Association cup medals, three from the League Cup and two for the Champion League.

He is the most decorated player in English football and is the only one to have scored in every season of the Premier League for any club.