Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.
Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

Sejarah Berdirinya Real Madrid

SEJARAH BERDIRINYA REAL MADRID
Berdiri: 1902
Alamat: C/ Concha Espina, 1 Spain
Telpon: (+34) 91 398 43 00 -
Ketua: Florentino Pérez
Direktur: Miguel Pardeza
Stadion: Santiago Bernabeu
Sejarah Berdirinya Real Madrid CF
Sejarah

Klub Spanyol paling sukses ini boleh berbangga dengan berbagai gelar yang pernah diraihnya. Terbanyak menjuarai Primera Liga Spanyol, koleksi sembilan gelar Real Madrid di Liga Champions juga belum tertandingi klub manapun. Jika Madrid di era modern identik dengan Los Galacticos, klub ibukota Spanyol ini ternyata berdiri setelah terinspirasi kaum cendekiawan. Beberapa profesor dan mahasiswa asal Inggris memperkenalkan sepakbola dan Football Club Sky pun berdiri sebagai cikal bakal klub pada 1897. Tiga tahun berselang, klub terpecah menjadi Foot-Ball de Madrid dan Club Español de Madrid. Pada 1902, klub terakhir pecah lagi dan berdirilah Madrid Football Club, yang meraih gelar Copa del Rey 1905 dan turut mendirikan federasi sepakbola Spanyol pada 1909. Barulah pada 1920, klub menggunakan nama Real Madrid yang disematkan Raja Alfonso XIII.
Pada 1929, Madrid ikut memulai liga sepakbola Spanyol bersama sembilan klub lain. Hingga saat ini, bersama Barcelona dan Athletic Bilbao, Madrid menjadi klub yang tak pernah terdegradasi dari Primera Liga. Madrid memenangi gelar liga untuk kali pertama pada musim 1931/32. Pada periode ini, Madrid dipimpin presiden Santiago Bernabeu Yeste, yang membangun kembali stadion klub dan Ciudad Deportiva setelah rusak akibat Perang Saudara Spanyol. Awal 1953, Bernabeu mencetuskan ide menggunakan pemain berkelas dunia dari luar negeri. Penyerang kenamaan Argentina, Alfredo di Stefano, didatangkan. Sejarah pun mencatat kejayaan Madrid di Piala Champions sejak kali pertama digulirkan 1956. Madrid menjadi yang terbaik di Eropa selama lima edisi berturut-turut. Gelar keenam sukses diraih pada 1966.
Kejayaan juga terjadi di kancah domestik. Madrid tak tertahankan dengan menjuarai liga delapan kali pada periode 1960-an. Madrid mampu menjaga tradisi menjuarai liga pada setiap dasawarsa hingga terakhir kali melakukannya musim 2007/08. Pada 1980-an, bersama kuintet La Quinta del Buitre; yakni Emilio Butragueno, Manuel Sanchis, Martin Vazquez, Michel, dan Miguel Pardeza; Madrid lima kali berturut-turut menjuarai liga antara 1986 hingga 1990. Namun, mereka harus menunggu lama untuk melanjutkan kejayaan di Eropa. Baru pada 1997/98, 32 tahun setelah gelar terakhir, Madrid sukses menambah koleksi Liga Champions.
Pada dasawarsa 2000-an, kebijakan mengumpulkan pemain bintang, seperti yang pernah dilakukan Bernabeu, dilanjutkan presiden Florentino Perez. Pro dan kontra lahir, tapi Madrid tetap akan dikenal sebagai klub para pemain bintang.


Sebelum 1897, penduduk Madrid tak mengenal sepak bola. Olahraga ini diperkenalkan sejumlah profesor dan pelajar Institución Libre de Enseñanza, dengan mendirikan Football Club Sky tahun 1897, yang bermain setiap Minggu pagi di Moncloa. Klub terpecah menjadi dua di tahun 1900; New Foot-Ball de Madrid dan Club Español de Madrid. Dua tahun kemudian Club Español de Madrid terpecah lagi, dan menghasikan pembentukan Madrid Football Club pada 6 Maret 1902. Setelah tiga tahun berdiri, Madrid FC memenangkan gelar pertamanya dengan mengalahkan Athletic Bilbo di final Piala Spanyol. Klub ini pula yang menjadi pendiri Asosiasi Sepakbola Spanyol pada 4 Januari 1909. Saat itu klub dipimpin Adolfo Meléndez. Tahun 1920, klub berganti nama menjadi Real Madrid. Adalah Raja Alfonso yang memberi nama Real, atau Royal, kepada klub itu. Sembilan tahun kemudian liga sepakbola Spanyol pertama didirikan. Si Putih meraih gelar Primera Liga Spanyol pertama tahun 1931, tahun berikut meraihnya lagi, dan menjadi klub pertama yang dua kali berturutan meraih gelar liga. Tahun 1945 Santiago Bernabeu Yeste menjadi presiden. Di bawah kepemimpinannya Stadion Santiago Bernabeu dan Ciudad Deportiva dibangun kembali, setelah rusak pada perang sipil. Tahun 1953, Bernabeu memperkenalkan strategi memboyong pemain berkelas dunia dari luar negeri. Salah satunya, dan yang paling terkenal, adalah Alfredo di Stéfano. Jadilan Real Madrid klub multinasional pertama di dunia. Tahun 1955, terinspirasi tulisan Gabriel Hanot -- wartawan dan editor L'Equipe mengenai pembentukan Copa Latina, turnamen yang melibatkan klub-klub Prancis, Spanyol, Portugal, dan Italia -- Bernabeu bertemu Bedrignan dan Gusztáv Sebes di Hotel Ambassador di Paris, dan membentuk turnamen yang kini bernama Liga Champions. Madrid mendominasi Piala Champions dengan meraih trofi itu tahun 1956 sampai 1960, dan berhak atas trofi original dan hak mengenakan simbol UEFA sebagai penghargaan. Tahun 1966, Madrid memenangkan Piala Champions kali keenam dengan mengalahkan FK Partizan 2-1 di final. Saat itu Madrid telah benar-benar menjadi tim dengan pemain dari berbagai kebangsaan, dan dijuluki Ye-Ye Team. Ye-Ye berasal dari yeah, yeah, yeah, chorus lagu Beatles berjuluk She Loves You, karena sebelum laga empat anggota Real Madrid berpose dengan pakaian Beatles dan wigs di surat kabar Dario Marca. Generasi Ye-ye juga mencapai final Piala Champions 1962 dan 1964, tapi gagal menjuarainya.

* El Derbi madrileño

Fans Real Madrid melihat Atletico Madrid sebagai viable rival. Meski didirikan tiga pelajar Basque di tahun 1903, Atletico Madrid populer karena didukung para pembelot dari Marid FC. Namun bukan itu yang membuat hubungan fans kedua tim tegang sepanjang massa. Pendukung Madrid berasal dari kelas menengah, fans Atletico kebanyakan dari kelas pekerja. Keduanya bertemu kali pertama pada 21 February 1929. Madrid memenangkannya. Rivalitas keduanya menyita perhatian internasional ketika di tahun 1959 bertemu di semifinal Piala Champions. Madrid memenangkan leg pertama 2-1 di Bernabeu, tapi kalah 1-0 di Metropolitano. Laga diulang, dan Madrid menang 2-1.

* El Clásico

Rivalitas Real Madrid dengan Barcelona merupakan produk ketegangan politik Castilians dan Catalan. Madrid adalah pusat pemerintahan dan keluarga kerajaan. Di era diktator Jenderal Franco, Madrid merepresentasikan kekuatan centripetal konservatif. Di sisi lain, hampir semua ide modernisasi politik; republikanisme, feneralisme, anarkisme, sindikalisme, dan komunisme, diperkenalkan di Spanyol dan menguat di Barcelona. Fashion, filosofi, dan seni, masuk ke Spanyol lewat Barcelona, sebelum diterima seluruh negeri. Rivalitas keduanya tidak hanya berlangsung di Primera Liga Spanyol, tapi juga di Eropa. Serta tidak hanya di dalam lapangan, tapi juga di semua aktivitas bisnis olahraga. Di tahun 2000, kepergian Luis Figo ke Real Madrid memicu kemarahan publik Katalan.

* Stadion

Real Madrid beberapa kali pindah stadion. Mereka pernah bermain di Campo de O'Donnell selama enam tahun, sejak 1912. Lalu pindah ke Campo de Ciudad Lineal, yang hanya berkapasitas 8,000 penonton. Pada 17 Mei 1923, Madrid pindah Estadio Chamartín, yang berkapasitas 22.500 penonton. Dua dekade kemudian, Santiago Bernabeu Yeste melihat Estadio Chamartín tak layak lagi. Sebuah stadion baru dibangun, dan diresmikan pada 14 Desember 1947. Stadion itulah yang saat ini dikenal sebagai Stadion Santiago Bernabeu. Stadion semula mampu menampung 120 ribu penonton, tapi dimordenisasi dengan tidak boleh ada penonton berdiri, menjadi berkapasitas 80.354 kursi. Pada 9 Mei 2006, Stadion Alfredo Di Stefano diresmikan. Di tempat inilah Madrid menjalani latihan. Stadion ini berkapasitas 5.000 penonton, dan fans hanya menyaksikan tim mereka berlatih.

* Keuangan

Berbeda dengan kebanyakan klub-klub di Eropa, Madrid -- sejak berdiri hinga saat ini -- dimiliki dan dijalankan oleh socio, atau anggota kelompok fans. Anggota socio membeli tiket musiman. Jumlah mereka mencapai 68.670, dan merekalah yang menjadikan Madrid sebagai klub yang mampu menarik penonton terbanyak. Pada musim 2004-2005, jumlah penonton meningkat menjadi rata-rata 71.900 per pertandingan. Di bawah Florentino Perez, musim 2000-2006, Madrid menjalankan ambisinya menjadi klub terkaya di dunia. Perez menjual kamp latihan ke kota Madrid tahun 2001, dan melepas kepemilikan atas empat anak perusahaan; Repsol YPF, Mutua Automovilística de Madrid, Sacyr Vallehermoso dan OHL, untuk membayar utang dan membeli Luis Figo, Ronaldo, Zinedine Zidane, dan David Beckham, yang membuat mereka dijuluki Los Galacticos.
Usai musim 2004/2005, Madrid mengakhiri status Manchester United sebagai klub berpenghasilan tertinggi di dunia selama delapan tahun. Penghasilan Madrid naik 17 persen menjadi £190m, berkat keberhasilan mengeksploitasi pasar Asia. Setelah era Perez berakhir, Madrid kembali berada di bawah MU.



Lambang klub pertama Real Madrid adalah desain sederhana dengan sebuah jalinan dekoratif dan tiga huruf kapital yang dituliskan sebagai "MCF" yang merupakan singkatan dari Madrid Club de Futbol yang dibalut warna biru gelap dalam kostum warna putih. Perubahan pertama lambang klub terjadi pada tahun 1908, ketika mereka mengadopsi bentuk yang lebih ramping dan penempatan huruf inisial klub di dalam lingkaran. Perubahan berikutnya dari logo kemudian tidak terjadi sampai Pedro Parages menjadi presiden klub pada tahun 1920. Pada saat itu, Raja Alfonso XIII memberikan nama tambahan bagi Madrid, yaitu "Real" yang diterjemahkan secara bebas sebagai "Kerajaan" yang kemudian membuat klub dikenal dengan nama "Real Madrid". Sebagai perubahannya, mahkota simbol kerajaan dari Alfonso ditambahkan ke bagian atas logo dan kemudian menjadi gaya tersendiri dari klub Real Madrid Club de Futbol. Seiring pembubaran monarki pada tahun 1931, semua simbol-simbol kerajaan (mahkota di bagian atas logo dan kata-kata Real) dihilangkan. Mahkota kemudian digantikan oleh strip murbei gelap yang mencirikan Region Castile. Pada tahun 1941—dua tahun setelah berakhirnya Perang Saudara Spanyol—simbol dan tulisan "Corona Real" atau "Royal Crown" yang sempat dihilangkan, dipulihkan dan dipadukan dengan garis murbei Castile. Selain itu di bagian atas logo juga dibuat penuh warna, dengan warna emas yang paling signifikan, dan klub ini kembali disebut Real Madrid Club de Futbol. Modifikasi terbaru di bagian atas logo terjadi pada tahun 2001 ketika klub ingin lebih menonjolan citra untuk abad ke-21 dengan menstandarkan bagian atas logonya. Salah satu modifikasi yang dilakukan adalah mengubah garis murbei biru tua dengan warna biru yang agak cerah.
Warna tradisional kostum Real Madrid untuk pertandingan kandang adalah putih, meskipun awalnya mengadopsi garis miring biru di kaus mereka (desain itu disimpan di logo klub), tetapi sekarang ini desain tersebut tidak dipakai lagi. Kaus kaki pertama yang dipakai berwarna biru gelap. Kaus bergaris biru kemudian digantikan oleh kaus polos berwarna putih yang mengadopsi model dari klub Corinthian F.C. pada tahun 1902. Pada tahun yang sama, kaus kaki biru diganti dengan warna hitam. Pada awal 1940-an, manajemen tim mengganti model kostum mereka dengan menambahkan kancing pada kaus mereka dan penempatan logo klub di sebelah kiri yang bertahan sampai saat ini. Pada 23 November 1947, dalam pertandingan melawan Atletico Madrid di Stadion Metropolitan, Real Madrid menjadi tim Spanyol pertama yang mengenakan kaus bernomor.Sementara, warna tradisional kostum Real Madrid untuk pertandingan tandang adalah hitam atau terkadang ungu.

Sejarah Berdirinya Real Madrid

Sejarah Berdirinya Real Madrid - Sejarah Sukses Klub Ibukota Spanyol Real Madrid beserta legenda-legenda dan mengapa mereka dijuluki Los Galacticos


Sumber : http://www.surgaberita.com/2012/11/sejarah-berdirinya-real-madrid-cf.html#ixzz2DmdjeKem
Close Klik 2x
Selamat Datang