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Tuesday, May 31, 2011

Edwin van der Sar - An Undoubtedly Legend

Full name : Edwin van der Sar
Date of birth : 29 October 1970 (age 40)
Place of birth : Voorhout, Netherlands
Height : 6 ft 5.5 in (1.97m)
Playing position : Goalkeeper (Retired)

source : wikipedia

Edwin van der Sar (Dutch pronunciation: [ɛdʋɪn vɑn dər sɑr]) (born 29 October 1970) is a Dutch former footballer who played as a goalkeeper for AFC Ajax, Juventus, Fulham and Manchester United. He is the most capped player in the Netherlands national football team's history.

He started his senior career at Ajax and is considered to be a member of a golden generation of players at the club. He remained there for nine years before moving to Italian club Juventus and then to England, first to Fulham and then to Manchester United. He is one of the few footballers to have won the UEFA Champions League with two different teams – with Ajax in 1995 and Manchester United in 2008; in the latter, he was also named UEFA Man of the Match. Van der Sar also won the UEFA Cup with Ajax in 1992.

Throughout a long and successful career, Van der Sar achieved and set numerous records. In the 2008–09 season he set the world league clean sheet record by not conceding a single goal for 1,311 minutes. Along with being the most capped player for the Netherlands national team, with 130 caps, he is also the oldest player to win the Premier League, at 40 years and 205 days old. Individually Van Der Sar has won several honours, including Best European Goalkeeper in 1995, 2008, 2009 and 2010, and UEFA Club Goalkeeper of the Year in 1995 and 2009.

Manchester United

2005–06 season
Van der Sar moved to Manchester United on 10 June 2005 for a reported fee of £2 million, although the exact transfer fee was undisclosed. Manchester United manager Sir Alex Ferguson considers him the best goalkeeper to have played for the club since Peter Schmeichel.

2006–07 season
On 5 May 2007, his penalty save helped assure a 1–0 triumph over Manchester City in the Manchester derby. The following day, Chelsea's failure to beat Arsenal at the Emirates ensured Manchester United's ninth Premier League trophy and Van der Sar's first. He was also named to the 2006–07 PFA Team of the Year. Three months later, he was a catalyst in Manchester United's 16th FA Community Shield victory, as he saved three consecutive penalties in a shootout after Manchester United and Chelsea played to a 1–1 draw at the end of regular time.

2007–08 season
The 2007–08 season was van der Sar's best season since his arrival; he had several great performances despite a niggling groin injury. He would help United secure their second successive Premier League title on the final day and win the Champions League by saving the final penalty of the shoot-out from Nicolas Anelka gaining him the nickname "Van der Save".

Van der Sar signed a one-year extension to his current contract with Manchester United on 12 December 2008, keeping him at the club until at least the end of the 2009–10 season.

2008–09 season
On 27 January 2009, Van der Sar helped Manchester United set a new club and Premier League record for consecutive clean sheets – the club's 5–0 win over West Bromwich Albion meant that they had gone 11 games and 1,032 minutes without conceding a goal, beating the previous record of 10 matches and 1,025 minutes set by Petr Čech in the 2004–05 season.

He then broke the overall English league record in the club's following game four days later, beating the previous record of 1,103 minutes, set by Steve Death of Reading in 1979. Another clean sheet, against West Ham on 8 February 2009, extended the record to 1,212 minutes, beating the British top-flight record of 1,155 minutes previously set by Aberdeen's Bobby Clark in 1971. Finally, on 18 February 2009, Van der Sar further extended the record to 1,302 minutes, and in doing so, he broke José María Buljubasich's single-season world record of 1,289 minutes, set in the Chilean Clausura in 2005.

His clean sheet record ended on 4 March, when he made an error allowing Peter Løvenkrands of Newcastle United to score after 9 minutes. In total, Van der Sar had gone 1,311 minutes without conceding in the league. These clean sheets were a major factor in United clinching their 11th Premiership title as United won a lot of games 1–0 to clinch the title ahead of Liverpool.

With a total of 21 clean sheets he also won the Barclays Golden Glove for 2008–09. However, he missed out on winning his third Champions League winners medal as United succumbed to a 2–0 defeat at the hands of Barcelona on 27 May 2009. Nevertheless, he won Best European Goalkeeper award from UEFA for the second time, 14 years after he first won it at Ajax. He was one of the five United players shortlisted for the PFA Players' Player of the Year award but it went to United teammate Ryan Giggs instead, however he was included into the PFA Team of the Year.

2009–10 season
Van der Sar sustained a finger injury during the Audi Cup pre-season tournament, forcing him to miss the first 12 matches of Manchester United's 2009–10 season. On 6 October 2009, Van der Sar returned to action for United, playing 90 minutes in the reserves against Everton. On 17 October 2009, he returned to action in the first team, playing in United's 2–1 victory over Bolton Wanderers. On 21 November 2009, Van der Sar would suffer injury again and be kept out of action for 12 games, with the combination of the Dutchman’s wife suffering a brain haemorrhage just before Christmas. On 16 January 2010, Van der Sar returned to action in a 3–0 win over Burnley.

2010–11 season
Van der Sar signed a one-year extension to his current contract with Manchester United on 26 February 2010, keeping him at the club until at least the end of the 2010–11 season.

On 23 December 2010, British press reported that Sir Alex Ferguson had confirmed van der Sar would retire at the end of the 2010–11 Premier League season. Although he denied the reports at the time, Van der Sar confirmed on 27 January 2011 it now was his intention. On 12 March, Van der Sar was named Man of the Match against Arsenal in the FA Cup after making several fine saves. United won the match 2–0 with goals from Wayne Rooney and Fábio. He was included in the PFA Team of the Year, making his third appearance there, others in 2007 and 2008.

On 22 May 2011, he played his final game at Old Trafford in a 4–2 victory over Blackpool resulting in Blackpool's relegation from the Premier League. He captained United as a farewell treat. Van der Sar officially retired from football following a 3-1 defeat to Barcelona in the 2011 UEFA Champions League Final.

Personal life

Van der Sar is married to Annemarie van Kesteren, the couple's wedding ceremony took place at the Beurs van Berlage in Amsterdam, on 20 May 2006. The couple have two children: a son, Joe, and a daughter, Lynn. Joe was on the pitch celebrating when his father saved a penalty in the Netherlands' 5–4 shoot-out victory over Sweden in the Euro 2004 quarter-finals. In December 2009, Van Kesteren was admitted to hospital just two days before Christmas, reports said she had suffered a suspected brain haemorrhage and was in a "very poor" condition. Van der Sar was granted indefinite leave following his wife's collapse and it is understood that she has made a good recovery with no long term effects.

Honours and awards

Eredivisie (4): 1993–94, 1994–95, 1995–96, 1997–98
KNVB Cup (3): 1992–93, 1997–98, 1998–99
Johan Cruijff Shield (3): 1993, 1994, 1995
UEFA Champions League (1): 1994–95
UEFA Cup (1): 1991–92
UEFA Super Cup (1): 1995
Intercontinental Cup (1): 1995

UEFA Intertoto Cup (1): 1999

UEFA Intertoto Cup (1): 2002

Manchester United
Premier League (4): 2006–07, 2007–08, 2008–09, 2010–11
Football League Cup (1): 2005–06
FA Community Shield (3): 2007, 2008, 2010
UEFA Champions League (1): 2007–08
FIFA Club World Cup (1): 2008

Best European Goalkeeper (4): 1995, 2008, 2009, 2010
Dutch Football Goalkeeper of the Year (4): 1994, 1995, 1996, 1997
Dutch Golden Shoe (1): 1998
PFA Premier League Team of the Year (3): 2006–07, 2008–09, 2010–11
UEFA Euro 2008 Team of the Tournament
Barclays Merit Award (1): 2008–09
Barclays Golden Glove (1): 2008–09
UEFA Club Goalkeeper of the Year (2): 1995, 2009
Officer of the Order of Orange-Nassau: 5 June 2010
IFHS Best Goalkeeper Of The Year:2001-2

Oldest player to appear in the UEFA Champions League Final (40 years and 211 days)
Oldest player to win the Premier League (40 years and 205 days)
Most caps for Netherlands national football team (130)
Worldwide league record keeping clean sheet (1,311 minutes, set in 2008–09 Premier League)
First non-British player to be active in the Premier League beyond the age of 40
First goalkeeper to keep 50 clean sheets in the UEFA Champions League

Saturday, May 28, 2011


今天要帮朋友打个广告 【业余漂亮蛋糕师傅制作 令人爱不释手惊喜连连】 <- 我想的广告词不错吧?呵呵




Wednesday, May 25, 2011


A : I am in your "My Documents" or "Recycle Bin"?

B : Desktop!

...... sweat =.=|||

Tuesday, May 24, 2011



到年尾的工作都排得满满的,不知道熬不熬得下去 >_<"

Saturday, May 21, 2011



假设一个家庭贷款20万买房,每个月收入扣除基本花费后有2千令吉。有些家庭会把薪水直接存入Flexi loan 户口,以节省利息,但除非月入超过5千令吉,不然扣除流动户口每个月10令吉的维护费后,数目只有大约节省每月8令吉,一年96令吉,所以不做计算。由于计算只是为了了解哪一种还款方式比较好,不需要过分的精确,所以为了让计算更加简化,所有利息以年期计算。贷款利息设定为4.5%,最低每年供款1万两千令吉。而手头上如果有现金,就全数投资。假设投资基金,非常保守的估计平均回酬率为一年6.5%。时间设为30年,到退休为止,看看到时手头的现金会有多少。

情况1 : 所有现金存入贷款户口,只有需要时才提款 (fully Flexi)


情况2 : 66%现金供贷款,33%现金投资


情况3 : 只还最低供款,剩余现金全数投资





Wednesday, May 18, 2011







Sunday, May 15, 2011

Ryan Giggs - All Time Hero for Manchester United

source : wikipedia

Squad No: 11
Position: Midfielder
Age: 37
Birth Date: Nov 29, 1973
Birth Place: Cardiff
Height: 5' 11" (1.80m)
Weight: 157 lbs (71.1 kg)

Manchester United

Premier League (12): 1992–93, 1993–94, 1995–96, 1996–97, 1998–99, 1999–2000, 2000–01, 2002–03, 2006–07, 2007–08, 2008–09, 2010–11

FA Cup (4): 1993–94, 1995–96, 1998–99, 2003–04

Football League Cup (4): 1991–92, 2005–06, 2008–09, 2009–10

FA Community Shield (8): 1993, 1994, 1996, 1997, 2003, 2007, 2008, 2010

UEFA Champions League (2): 1998–99, 2007–08

UEFA Super Cup (1): 1991

Intercontinental Cup (1): 1999

FIFA Club World Cup (1): 2008


PFA Young Player of the Year (2): 1991–92, 1992–93

PFA Team of the Year (6): 1992–93, 1997–98, 2000–01, 2001–02, 2006–07, 2008–09

PFA Team of the Century (1): 1997–2007

Bravo Award: 1993

PFA Player of the Year (1): 2008–09

BBC Sports Personality of the Year (1): 2009

BBC Wales Sports Personality of the Year (2): 1996, 2009

Sir Matt Busby Player of the Year (1): 1997–98

Jimmy Murphy Young Player of the Year (2): 1990–91, 1991–92

Premier League 10 Seasons Awards (1992–93 to 2001–02): Overall Team of the Decade

UEFA Champions League 10 Seasons Dream Team (1992 to 2002): 2002

Wales Player of the Year Award (2): 1996, 2006

Premier League Player of the Month (3): September 1993, August 2006, February 2007

Goal of the Season (1): 1998–99

English Football Hall of Fame Inductee: 2005

Orders and special awards

OBE for services to football: 2007

Honorary Master of Arts degree from Salford University for contributions to football and charity work in developing countries: 2008

Freedom of the City of Salford: 7 January 2010. He is the 22nd person to receive the Freedom of the City of Salford.


Has won a record 12 top division English league titles as a player, and only Manchester United player to have winner's medals from all 12 Premier League title wins.

Most Premier League appearances for a player, with 573.

Most top flight English league appearances at one club, with 613.

Most Premier League assists (accurate records are only available from 2002 onwards).

Only player to have scored in all 19 Premier League campaigns since its inception.

Only player to have scored in eleven consecutive Champions League tournaments (1996–97 to 2006–07) Raúl is the only who has scored in fourteen consecutive Champions League tournaments (1997–98 to 2010–11).

Only Manchester United player to have scored in fifteen different Champions League tournaments.

Most goals by a British player in the Champions League/European Cup proper history, and 14th overall (not including preliminary rounds).

Most appearances by a Manchester United player.

First player to score 100 Premier League goals for Manchester United.

Second midfielder to have scored 100 goals in the Premier League for a single club (first being Matt Le Tissier).

One of four Manchester United players to win two Champions League Medals (others are Paul Scholes, Gary Neville and Wes Brown).

Oldest (37 years, 148 days) player to score in the Champions League, when he scored against Schalke 04 on 26 April 2011.

Thursday, May 12, 2011





Wednesday, May 11, 2011



Sunday, May 08, 2011


买房选房贷,对于flexi loan和term loan,每个人有不同的衡量标准。而很多人也还很流于盲目跟从网络上提供的资料去判断到底哪一种房贷比较好,造成了先入为主,在申请贷款时就只是单单的要求关于一种贷款的资料。其实由于市场上银行和贷款公司等数目不下15间,竞争异常激烈,flexi loan 和term loan 之间的界限已经越来越模糊,甚至有银行直接把这类介于两种贷款之间的配套,取名为Semi-flexi loan,取代传统的term loan。

先说说传统的flexi loan和term loan 有什么分别。

1. 一般而言传统的flexi loan提供的贷款利率会比term loan来得高,介于0.1%-0.3%左右。这是因为传统的flexi loan应许借贷者随时超额还款,以减低本金和每日利息。这样的便利自然也需要以较高的利率来补偿银行“少赚”的“风险”。而term loan的借贷者如果要超额还款来减低本金,就必须要到银行去填写表格,不然多还的部分是不会减少本金的,而每日利息也不会减低。

2. flexi loan应许借贷者与贷款户口相连的通过流动户口,填写支票随时提款。这是flexi loan的最大卖点,非常方便人们动用超额还款来应急。不过款项提出来后本金也会提高,每日利息随之增加。这个便利当然也不是免费的。开设流动户口需要付一次过手续费200令吉,之后每个月付10令吉的管理费。管理费会直接加入本金,所以当然也就会增加每日利息,虽然数目微不足道,但是是存在的。而term loan就不需要开设流动户口和付管理费,但如果需要提款,就必须到银行去通知银行,最快两天或一个星期才能领到现金。每次提款需要付一次过手续费大约50令吉。

以上两点是借贷者最关心的部分,当然个别银行还会有许许多多的其他条款,如lock-in period,迟缴对贷款惩罚,MRTA 房屋贷款保险,违约罚款,等等。还有付银行贷款的方式,方便程度,信誉,这些都是贷款者需要考虑的部分。

以上都是传统的配套。很明显flexi loan适合时常有现金流动,或有非常充裕还款能力者。而利息较低的term loan,则适合每月只能付最低还款者,偶尔有多余的现金,才到银行去超额还款。

而由于竞争激烈,多数银行已经为传统的配套做出改革。flexi loan的利率被降低,几乎可以追平term loan。有些银行更不惜取消了开设流动户口费用以及每个月的管理费。而反过来,term loan也变得越来越“flexi”了。有些银行的超额还款不需要到银行通知,钱可以直接存入贷款户口,降低本金和每日利息。马银行更通过Maybank2u,让贷款者在任何时间地点提取超额的还款,每次只需25令吉的费用。在这种情况之下,贷款者申请贷款时,应该同时听取两种贷款配套,配以自身的现金流和用钱方式,选择最适合自己的贷款。

之前游览不少投资前辈的部落格时,几乎清一色的都是支持在进行股票投资的人选择flexi loan。但是我有不同的见解。如果贷款者的flexi loan配套可以得到和term loan一样的利率,其他条款相若,又不需要付任何手续费管理费的话,flexi loan绝对是最好的选择。这就得看你贷款时的谈判能力了。万一得到的flexi loan 配套出现了利率较高,需要付管理费的情况,我则认为个别借贷者应该看自身的投资习惯来决定应该选择的配套。

首先,我觉得如果一个人的投资习惯倾向于频繁交易,持股时间少于一年者,应该选择flexi loan。因为虽然利差介于0.1%-0.3%,但如果以贷款30万令吉算,加上管理费,每年只比term loan最多多付1000令吉。把这1000令吉放在term loan的情况,大约可以折算为20-40次的提款。再如果可以向各位前辈一样把薪水存入流动户口,懂得活用现金的话,甚至有充裕的现金超额还款,应该可以把这个差额降到很低的限度。所以对于频繁交易的投资者而言,由于提款次数可以轻易超过40次,flexi loan毫无疑问提供了很多的便利。

如果像我一样,投资习惯倾向于保守,持股平均两年以上,一年交易少于10次,甚至是没有交易的投资者,利率较低的term loan反而可以让我剩下比较多钱。马银行的网上提款便利,以及25令吉的低廉手续费,对我而言已经是非常的足够了。

*** 以上讨论存属个人观点,并无对错。

Friday, May 06, 2011


上午 10点44分
























马华的背水一战,除了内部必要因为退无可退而团结,也会抛开束缚全力以赴打这一战。当马华抱着不惜下野的心态打选战,相对来说已经“半执政政府”状态的行动党,也就不再具备完全的“在野优势” 。







Monday, May 02, 2011




呵呵,废话太多了,正式进入主题吧。现在的电脑普及,把复利的计算留给电脑解决,是轻而易举的。首先,Microsoft Office 里的 Excel 大家应该不会陌生吧。



STEP #1 - STEP #2 : 打开Excel之后,在“D4”的格子里 (其实任何格子都可以)键入“1”,之后再选择它,格子的右下方会有一个黑点。用鼠标拖着黑点往下拉,放手后会看见所有被拉过的格子都变成“1”。



STEP #3 - STEP #4 : 在右下方会看见一个选项,点击拉开,选择“Fill Series”,原本一整排的“1”变成了序号,代表投资年份,从第一年到第十一年。


STEP #5 : 在第一年,键入开始的资金。在例子中,开始的资金为1000令吉。


STEP #6 : 在第二年,键入复利的方程式 【=(F4*1.15)】。“F4”是第一年初始投资的格子代号,如果你键入的格子不是在F4,就把它换成你的格子代号。“1.15”则是回酬率,代表年回酬率15%。如果你要计算年回酬率5%, 就把它换成“1.05”;如果是12.5%,就换成“1.125”;以此类推。




STEP #7 - STEP #9 : 键入方程之后,就会看见第二年的复利情况。回酬15%让第二年的资金成长到了1150令吉。选择第二年的格子,拖拉格子右下方的小黑点,直到第十一年,就会看到十一年后复利的情况。是不是很简单呢?


STEP #10

STEP #11

STEP #10 - STEP #11 : 选择第一年投入的1000令吉,拖拉右下方的小黑点,直到第十一年,就会看见是十一年都出现1000令吉的额外投资。如果任何年份的投资额不同,就在该年份键入新的投入资金。

STEP #12

STEP #12 : 在第一年投资额的旁边,键入复利方程式【=(G3+F4)*1.15】。“G3”是当前格子的上边的代号。当前方程式键入的格子代号为“G4”,所以上一格是“G3”。“F4”则是第一年投入资金格子的代号。“1.15”则是投资回酬率,和上面讨论的相同。

STEP #13

STEP #14

STEP #15

STEP #13 - STEP #15 : 键入方程之后,就会看见第二年的复利情况。由于“G3”是空格,所以会当做零处理,回酬15%让第二年的资金成长到了1150令吉。选择第二年的格子,拖拉格子右下方的小黑点,直到第十一年,就会看到十一年后复利的情况。可以看见,如果每年都持续投入资金,在相同的回酬率下,十一年后的资金总额是相差很远的。