Online Gambling – The Rewards That Make a Difference in Your Game

Human beings have engaged in betting since antiquity. For a long time gambling was an activity that took place only in exclusive casinos. Not everyone could afford or access these places. Online gambling, which became a reality around 1995, allowed gambling to be a past time for many more people. Software that simulates games of chance had been in existence for a while. The use of internet became common place and inexpensive and was crucial to the establishment of gambling websites. Another necessary factor was the mechanism to make and receive payments online in a secure manner. The final piece of the jigsaw puzzle was the creation of authorities that licensed and regulated gambling operators.

Once gambling websites were established around 1995 they began to proliferate quickly. The period 2000 to 2006 was a boom time for the online gambling industry. This is because online gambling offers many advantages over land based gambling. The biggest advantage is that players can engage in online gambling from home. All that they need is a home computer or lap top with an Internet connection. Players no longer have to spend money to travel to the casino

No spending time and money to travel to casinos or going on holidays to Las Vegas. Players can come home and immediately log on to their favorite online gambling site.

Online gambling is exceptionally convenient for people who are afraid of posh casinos, with well dressed staff efficiently conducting operations and knowledgeable players who are proficient at the art and science of gambling. Internet gambling is an anonymous activity. Many of these games are played solo with the online casino software. Even in multiple player games there is no need to be face to face with other players. Most of players use nicknames and no one need know from which part of the world they are from. They can make their mistakes without fear of being made fun of and can learn the ropes at their own rate without worrying about losing a lot of money. And formal dressing can be dispensed with.

Another major advantage of gambling websites is that it delivers greater average returns to the player. The costs involved in setting up and operating internet gambling sites is much lower than that for land casinos. Because there is no real estate, there are no expensive buildings and minimal staff to pay. Thus making gambling sites do not need to make a lot of money to cover their costs and provide a return to their owners. Because of the competition in the online gambling industry, the savings are handed on to the players in the form of larger average returns. This is particularly evident in online slots where the average return is around 95%. Where as land based slots the average return may be well below 90%.

Online gambling today covers a wide range of product verticals. Sports betting can be conducted online. Players have access to the most current odds and can even engage in live betting through online gambling. Poker is yet another well-liked form of gambling. Players can play both fast cash games and in online tournaments. Online casinos offer gambling on blackjack, baccarat, roulette, craps, video poker, online slots and other games. Other forms of online gambling can include bingo and financial betting.

Do You Road Rage? Why We Do, and What We Can Do About It

Living in a city like Los Angeles requires a commute on some form of Freeway (too many to list), a journey through bumper to bumper surface streets, and possibly a walk. All of this is cemented between our daily stressors of work and family.

It’s often common for us to leave home upset around time management issues, conflicts with loved ones, or the dread of going to a place of employment. How can this not affect us? Most of us are also aware that there is an unofficial “Rules of the Road” handbook that establishes polite behavior, which is not followed by many. The perfect storm of impolite driving (unsafe, or self-righteous), and an average person’s bad day can lead to escalations that are unsafe for all parties. Most of us would call this sudden explosion of anger, Road Rage.

While the actions of others remain out of our control, we can be more mindful of our own state as we enter our cars. When a person makes a physical check of possible obstructions prior to pulling out of a space, they are hyper aware. Their eyes search all mirrors for people, dogs, and other cars as if life depended on it, and in many ways this is true. We can also look inward, within ourselves. Creating an awareness of how you are feeling prior to starting the ignition, can be helpful in creating awareness of where you are at.

Road Rage is related to the tipping point of our agitation. What is your frustration tolerance at that particular time, on that particular day? Some people appear to always be at a high frustration level, but for others, irritation can sneak up more slowly. What are the daily obstacles we still have in front of us? Maybe there is a specific meeting, appointment, or a time we have to pick up our kids. It could be the time of day we depart such as rush hour, or a work related task that still lingers on our mind. Are we late? There is an infinite amount of possible stressors, and personal drama or what we might call personal crisis situations (hey it seems like a crisis to us!), but when paired with inconsiderate drivers things can explode.

If we were to rank our personal wellbeing on a scale of 1-10, with one being Buddha, and 10 being Hulk, most likely we all live in a 3 most of the time. It’s once we cross 5 or 6, that we want to become more mindful of Road Rage triggers, and our own body awareness. This is the time we can course correct, prior to further and potentially more dangerous escalation.

Every person has a different anger response. If we begin to track our outbursts, we become more aware of the patterns in our triggers. This is where we can consciously begin to change patterns and replace or alter behaviors. Tracking body symptoms prior to outburst (twitching eye, flushed face, rapid breathing, warm forehead, watery eyes, itchy shoulders or neck, clenching, etc..), can be helpful in establishing patterns, but we need to work on better planning to implement prior to these escalations.

Listening to the radio, taking deep and purposeful breaths, or talking to a good friend or family member can be helpful. Avoiding conflicts while driving is a good rule of thumb as well. When a person is riding at an 8 or 9, it does not take much to be the straw that broke the camel’s back. As our mindfulness and self-awareness increase, it’s easier to make better choices, and do the things we need to do to be safe.

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.