Annual Review of Football Finance Reveals Disturbing News

In an earlier article (Pssst, here’s £60m for your soccer team….. ) which I have posted in my blog, I alluded that the Beautiful Game is degenerating into something exclusive to people who have plenty of money to spare. An increasing number of Premiership clubs are being taken over by foreign hands: Manchester United are … Continue reading “Annual Review of Football Finance Reveals Disturbing News”

In an earlier article (Pssst, here’s £60m for your soccer team….. ) which I have posted in my blog, I alluded that the Beautiful Game is degenerating into something exclusive to people who have plenty of money to spare. An increasing number of Premiership clubs are being taken over by foreign hands: Manchester United are being owned by Americans, the same goes for both Liverpool and Aston Villa, West Ham United by Icelanders, Fulham by an Egyptian whose primary interests is in retail, Chelsea by a Russian with a personal fortune of £9 billion, who is obsessed with winning and can earn far more from his trade in oil and minerals. As of this writing, we even have the ex-Thai Prime Minister wanting a slice of the action by taking over the reins of Manchester City. Is the Premiership gradually becoming an expensive playground for the super-rich? I fear the answer is yes. And how true can this get, going by the latest annual review of soccer by one of the world’s top-four auditors Deloitte & Touche. The Deloitte Annual Review of Football Finance, released on 31 May 2007, revealed that the following startling financial facts:

1) The combined wages of the English Premier League is expected to surpass the £1billion mark for the first time ever since the competition was formally inaugurated in 1992 – 1993. The wages of the twenty teams rose to £854 million for season 2005 – 2006 compared to “merely” £168 million in 2005. Now isn’t it wonderful to be a soccer player instead of having a desk-bound job?

2) Wait, the rich pickings gets better for we can expect the first £200,000 a-week player in the EPL to emerge before 2010. Currently, the top earner in the Premiership is widely considered to be Ukrainian Andriy Shevchenko and German Michael Ballack (both Chelsea), whom each is believed to be banking at least £130,000 per week. I feel that even if you are proven players like them, you should only be getting a basic wage and the appropriate performance bonuses. Otherwise, soccer clubs will be forced to charge fans even higher ticket prices to keep up with the operating costs. This is the best measure to insulate the business when on-pitch results are not so rosy, and also help motivate and reward players and the management for winning.

3) The 20 clubs in the top division generated a total of £1.4 billion in turnover two seasons ago (2005 – 2006), a figure which is expected to go up to £1.8 billion for Season 2007 – 2008. I have reasons to suspect that the majority of these revenues came from the booming Asian economies, where the newly-rich are most willing to pay astronomical sums to catch their soccer heroes play “live” in off-season games.

4) Taking into account the money spent by teams in the lesser divisions in attempts to break into the Premiership, the total debts that have been taken on is an astonishing £2 billion. For next season, there will be in place a new 3-year TV deal worth £2.7 billion, which is widely to be a catalyst for wage inflation and for servicing such debts. The new TV revenue – including domestic and international rights – equates to about £300 million extra per season over the next 3 years. What I can see is it is going to be the turning of a vicious cycle: teams secure loans to enter the top division and earn more TV money, which is then used to service debts. And yet with reduced revenue, they will be forced to borrow heavily again.

Mark my words, the spiraling finances involved in the soccer scene will get out-of-hand one fine day. And the ones who will bear the brunt of the fall-out will be the fans themselves, as they are already being squeezed by soccer clubs to pay for higher ticket prices, more expensive jersey replicates, program sheets and even those who cannot afford a trip to the stadiums will not be spared – they are likely to be charged more for pay-per-view TV for “live” or even games which are broadcast delayed. Finally, I foresee that the ownership of more top-tier clubs will land into foreign hands. While these foreigners are generally super-rich and provide instant cash inflows, they may not represent the best interests of the soccer fraternity. After all, they are probably businessmen by nature. Who can guarantee that these clubs are not merely cash cows to be milked and the fans are not being taken for a nasty ride? It is obvious to me that the foreign owners have had considerable sporting success AS WELL AS financial gains. I feel that it is high time for the British government or even the highest governing body FIFA to step and start regulating such transactions before things get worse.

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Shocking News From the Bible – Money Answers Everything!

Ecclesiastes 10:19 (New King James Version)

A feast is made for laughter,
And wine makes merry;
But money answers everything.

Many Christians and Non-Christians may be surprised to know that this passage is even in the Bible… but it is.

On the surface, it may sound “materialistic”, “worldly”, or “carnal”.

But notice that the scripture doesn’t say that money is the “right” or “complete” or “final” answer for everything. It simply and correctly says, “money answers everything”.

And isn’t it true that money answers everything?

In general, so many of the problems that we have in life can either be solved or made less stressful for us, by us either having more money, or better money management.

Let’s take a look for a second, and see if this isn’t true. Let’s look at a few areas that many of us are, or have been, confronted with in our daily lives:

Natural Disasters

When natural disasters occur, such as the horrible earthquake in Haiti, let me first say that we don’t know why God allows such terrible things to happen.

What we do know is that, even in the midst of miracles such as the amazing survival stories, that money is always needed to try to lessen the pain for survivors, get aid to them, and ultimately rebuild these communities, cities, states, and nations.

In this situation money is not the complete answer, but it definitely provides a much needed answer.

Marriages and Relationships

It’s no secret that many married and unmarried couples argue about, and often separate, breakup, or divorce over disputes about money. Usually this is the lack of money, or overspending by one or more parties.

A lack of money puts stress and strain on the entire family, as there are always mouths to feed, clothes to purchase, and other obligations such as health insurance, mortgage payments, and college tuition. The list of family expenses seems endless when there is not enough money to go around.

More money and/or better money management can usually provide a much needed answer or solution in these situations.

Church Work

It is a known fact that churches cannot operate without money. We know it’s a known fact, because the church leaders will often be quick to tell you that when it’s time to collect the offering;-)

It is often very ironic that the same church leaders who may spend a portion of, or an entire sermon telling you how UN-important money is in your life… will then turn right around and try to convince you how important it IS that you give as much money as you possibly can afford (or not) to the church.

It’s such a contradiction if we would really listen to what we are saying sometimes.

Yes, money is needed to finance the work of God in the world, so money is an “answer” in this area as well.

Conclusion

If we take a moment to think about it, we can see that the amount of money we have at our disposal affects each and every area of our lives. This the message we should take away from the passage “money answers everything”.

Yes, money does answer everything, whether it is providing aid for a natural disaster, feeding our families, paying for higher education, or financing the spread of the good news of Jesus Christ to all the world.

The sooner we embrace this financial truth, this “bible secret”, and stop fighting against it, then the sooner we will be able to adapt a mindset and lifestyle of financial abundance.

Finance Recruitment Agency – Get a Financial Services Job

Obtaining a financial services job position within the present marketplace has turned out to be a challenge for many jobless individuals in the United States. Although a number of positions are being produced, people are continuing to lose their jobs at the exact same or even higher pace.

As a result, you will find a great number of individuals contending for each job opportunity that is available. At the same time, you will find positions that are not filled simply because an applicant with the desired experience and skills has not applied, or sometimes because the business has delayed the hiring of additional staff.

If you find this is the case, there are a number of methods you can use to locate these job opportunities, such as social networking, researching on the Internet and contacting finance job recruiters.

A lot of job seekers think networking is the very best method to discover a new position, as often managers would rather employ people who’ve been proposed by someone they know. Others prefer to search for employment online. However, since a large majority of financial institutions would rather utilize headhunters to help them locate the right job applicants, this may be your best option.

Networking

If you plan to use networking to find open job opportunities, you need to make an effort to grow and increase the group of individuals in the financial industry that you frequently connect with. You probably have colleagues who are able to connect you with professional associates and job interviews, or perhaps others that can help discover additional connections. Develop a timetable to reach out on a regular basis to each and every individual. You most likely are comfortable getting in touch with several friends once or twice per week, while other people you may get in touch with less often. The key here is to be consistent.

Searching for Jobs Online

Searching for employment online can be fairly easy if you understand how and where to search. You will find numerous job boards that provide a huge number of possibilities, but combing through appropriate listings can not just be extremely time consuming but also discouraging. A good strategy to finding a rewarding job online is to stay current with industry news as well as finding websites specific to the finance industry. Studying the news will help you determine what keywords and phrases to utilize in your job search; exploring the right websites will reduce the quantity of time invested in sifting through all of the results.

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Finding a Job After Bankruptcy

After a successful bankruptcy filing, debtors get a fresh start on their financial life. No more harassing phone calls, nasty letters and the unrelenting stress of where to find the funds to meet your obligations. If you need to look for a new job after having filed for bankruptcy and fear the effect a bankruptcy filing may have on your chances of getting hired, take heart. The law continues to extend you the protection you need to get your life back in order.

Be Truthful and Candid

Employers cannot legally ask you in an interview whether or not you have filed for bankruptcy. Even if you are applying for a cash-handling position, such as an accounting or payroll job, the law prohibits them from asking you outright about your financial history during a job interview.

However, most employers do run a credit check as a routine part of the hiring process. This is especially the case when the position to be filled has fiscal responsibilities. Before they can inquire about your credit history, they need your permission to do so. An employer can refuse to hire you if you withhold this consent.

If you give your consent, a potential employer will find out about your bankruptcy filing because these are reported in your credit history. A Chapter 13 bankruptcy usually remains in credit reports for seven years, while a Chapter 7 bankruptcy is reported for 10 years.

In this case, handle the situation with as much candor and honesty as possible. Treat the interview as an opportunity to explain the circumstances of your bankruptcy filing, something which a credit report cannot do. If you have taken steps to address the events surrounding your bankruptcy, mention those as well. It is crucial that a potential employer sees you as a mature and responsible individual who learns from past mistakes and can take concrete steps to move forward in a positive direction.

Get Excellent Recommendations

Include as many character and professional recommendations in your job application as possible. While these do not need to focus or even mention your bankruptcy past, it is important that they present you as a completely trustworthy and consummate professional who is an asset to any potential employer.

Filing for bankruptcy is a wake-up call for most people. The experience teaches them to take control and responsibility for the financial, personal and professional aspects of their lives. It makes them more aware and highly appreciative of the opportunities life offers them. All in all, not a bad profile for a future employee – and most employers would likely agree.

Asset Financing: Leasing Over Loans

Asset leasing provides unique alternatives over traditional financing for businesses to obtain the necessary equipment for their operations. Asset leasing is done either as an operating lease or a capital lease. Each option has its own effect on the company’s balance sheet, but both give a business extra options to finance assets needed to expand their business, simplify processes, and generate revenues. Typically, financing with a lease agreement is much easier and faster to do than traditional loan financing through a bank.

Operating leases are agreements for the use of assets and do not allow the business entity any rights of ownership. Operating leases are most like automobile or apartment leases, where the lease payments are made for a set term described in the agreement. The company does not list the equipment as an asset on its balance sheet, the same way a tenant cannot list their apartment as their own property.

The benefits of an operating lease are that it can allow businesses to save money on maintenance costs, obtain new equipment after term expiration, and use assets for projects that they may not typically be able to do. For example, a real estate firm may use an operating lease for copy machines on a two year term. At the end of the term, the firm would not have to worry about re-marketing and selling the used copiers, they can simply be traded up for new machines. This also avoids the need for increasing maintenance costs as equipment ages, as sometimes maintenance/warranty costs can be included in the lease payments.

The use of an operating lease can help a small or new company get what they need in order to take on bigger projects and hopefully grow revenue. A construction company may choose this in order to win a bid on a large job, rather than spending possibly tens of thousands dollars for heavy equipment that may only be used for that one particular project. A firm could use a short-term lease (perhaps one year) for equipment needed to complete the work, while only paying a portion of the cost of that machinery.

Capital leases are sometimes called financing leases because they give a company the same rights to ownership as financing with a traditional bank loan. The equipment obtained through the lease is recorded as a company asset and the lease balance is reported as a liability. A key benefit of capital leases are that they are easier to obtain than traditional loans and have a variety of payment options. This allows for small or start-up businesses, with little to no credit, to obtain financing that may not be available to them through traditional means and flexibility in pay back options. Other than their recording on the balance sheet, capital leases differ from operating leases in that they typically have longer lease terms.

Capital leases allow firms with weak or no credit to build up their business credit while obtaining assets necessary to expand operations and increase revenue. At the end of the lease term, the business would have ownership rights to tangible assets that can continue to be used by the business or sold in order to gain cash.

These leases may include special finance options to further help businesses gain assets needed to generate revenue while keeping overall costs and expenses low. Financing programs, such as 90 days deferred or 90 days same-as-cash, will give a business the option to use equipment and generate revenue for three months prior to the start of lease payments; or an alternate option to purchase the equipment outright and avoid finance charges if capital becomes available.

Another finance option is the use of residuals, or balloon payments, that are due at the end of the lease term in order for the entity to own the asset. The residual option allows for lower monthly payments for the lease term, making the asset more affordable, and thus deferring the full cost of payment/interest expenses until a later time.

It is not completely uncommon to have an almost customizable payment option on a capital lease. These options are used for specific industries that may see large swings in revenue over the course of a year, such as seasonal businesses. These options may allow for lower, or even no payment, during down times of a season and continuation of regular amounts starting at a particular time of the year.

Importance of Financial News in Our Daily Lives

The need of blog business news has intensified in the contemporary times due to many financial implications that come with ever changing people demographics. These include economical changes such as the recent global meltdown, legal cases involving compensation and also re-mortgaging issues that have continued to affect the core of society. All these areas are given consideration by experts who post their solutions and explanations in these pages that are accessible to many readers with Internet access.

There are usually many areas that are targeted in business news. As mentioned above, the issue of compensation, for example, enjoys perpetual updated resources that are given to people on how to handle their finances in anticipation to getting a claim. This can be seen in such explanations as how to settle for a forwarded amount from lenders who rely on the premise that the cash give out they have offered to the person anticipating a case will make a breakthrough thus leading to the recovery of the lent sum. In many cases, the cap lies on the expectation that the targeted amount will act as the salary for the lender, in most cases being only a portion of the total compensation.

One of the merits of these popular business pages revolves around a contemporary financial niche as that of mortgages. They offer guidelines on how to take advantage of growing equity of the investment so that one can cash in on the loans that are extended on that investment in order to reapply for better terms. These posts also cast a light on the precautions to take in order not to fall into bad economic times that may see mortgage repayments hike up instead of taking a dip as expected.

Another merit of the blog business news is that it also sheds a light on handling personal finances by reaping the benefits of soft means of transactions and applying for academic aid. One of the areas mostly targeted in this niche includes that of the academic community whereby learners are updated on the latest developments in the category of electronic money transfer abroad without suffering any surcharges. The posts also target other areas like name tags and free gifts that are given online. In this way they give consideration to the best free gifts that lead to most sales as well as the name tags that are considered most effective to the e-commerce environment.

In short, the overall merit of business news as obtained from a blog is helping to keep people and commercial entities in the know on issues affecting their finances on a daily basis. While some of the highlights given above are usually treated as universal contents, others are provided on a successive basis in form of reports. The former casts the limelight on making informed financial and transactional choices, while the latter form of news aids in staying updated with all types of relevant reports. This treasure-trove of suggestions, tips, concepts and vivid financial reports is usually presented in the most informative manner.

The Importance of Keeping Up With Finance News

The modern world has numerous intricacies to it compounded by the realities of globalization and rapid technological advancements. What this means is that no one can decide to remain ignorant of their environment and all that is going on around the world as this directly or in directly affects our lives. Many people have always regarded financial issues as a preserve of the financial gurus and those who specialize in finance issues. Acquiring the knowledge of financial matters, at least the general matters, is essential for everyone.

Finance news keep you abreast with developments in various critical sectors of the either the national or international economy. For instance if you may want to keep abreast with opportunities that exist for you in domains like forex trader then you need to know what is happening in line with developments of the volatile stock market and money markets. On another front you may want to know where there are affordable foreclosure properties that you can makes the most of to get yourself that dream real estate property as your residence or for investment.

Many people are getting hands on with financial matters because it does not really take an expert to get into financial trade circle and the make the most of what the industry can offer. What happens in the finance world affects your life directly it does not matter if it happens on a national scale or international locale. The fact is that the global economy in intertwined such that financial matters in the Australia economy for instance may affect the whole of the global financial landscape, which has an impact on the state of the economies, inflation, interest rate, etc. These are kinds of issues that get to affect you directly.

Keeping abreast with financial developments has been quiet a critically important aspect in the recent global economic meltdown. The global financial sector has been riddled with negative developments which cost some people huge profits from various business ventures. Keeping up with finance news helped people to stay on the look out and alert on the next move to do for instance in terms of example selling property, buying a property, getting a bank loan etc. the principle of keeping pace with financial developments is very important especially for entrepreneur who want to keep a close eye on the financial developments every second in order to position themselves for expediency and survival

Communicate Your own Views in Adipex Online Community

Prior to ingesting any prescription medication it is very important be aware of consequences and unwanted effects the exact same. In a similar manner when you are using fat burning supplements to reduce, it’s likely you have several concerns growing within the mind with regards to the medicine. For example- exactly how much effective this prescription medication is, if there is any kind of side-effect the exact same, how frequently it ought to be taken, how fast it demonstrates its outcomes etc. Each one of these basic questions are needed to be answered by the pros.

Adipex fat burners really are a quick and efficient way to scale back weight. But individuals who wish to downsize their weight may have plenty of doubts in their minds for the medication. To give answers to almost all their queries. Adipex online community has been put together which take cares of all of the uncertainties that individuals have within their thoughts associated with the tablets. Some individuals may wish to discover how much weight they’re expected to shed with these tablets. The board is constructed where individuals can share their experiences and convey their own questions.

It has been discovered that the end results of fat reduction are very variable amongst people today. This is because their different eating plans and practices. Furthermore, it is determined by the volume of physical activity performed by the individuals. For those who have previously tried the medicine then you ought to discuss your experience with the conversation message board. You are able to give his feedback and express his sights for the medication.

One can also give suggestions in the online community which may be useful for other individuals. You can tell about the outcomes of the medication as regard to how much weight you reduced, what weight reduction plan you adhered to and what type of physical exercises you performed etc. In case you have not got the desired outcomes, bring up your troubles, the professionals of the discussion community forum will help in resolving your issue.

The industry experts also advise you the different methods to lose weights and completely different solutions to your difficulties. Adipex discussion forum also deals with the problems those people who are unsatisfied with Adipex. If you’re one of those, then you can come with your challenges and get a fix.

In the event if someone feels that the weight loss plan he’s following isn’t accurate then he can surely consult the experts. They can review your case and can make variations in your diet plans. If you are forced to make some changes in the diet regime, then proper dieting schedules can be recommended by the advisors. They can tell you to reduce any specific eatable to obtain desired results.

Those people who are extremely satisfied with the Adipex can also recommend fresh and innovative ways as regard to physical workouts so that it might be of help to somebody else that has not been able to achieve his goal of weight loss.

Individuals can also publish their blogs and post testimonials on the online Adipex (read more at http://findadipexnow.com site ) online community which could be recognized a feed-back from the consumers of Adipex People from all around the world who’re consuming the medicine could be collected at one site.