Layne Flack’s reputation precedes him. The World Poker Tour describes Layne as “poker’s party boy” and “a dynamo in action.” The Travel Channel says he “plays an ultra-aggressive brand of poker.” Phil Hellmuth describes Layne as a “no-limit poker genius.”
One only need observe Layne for a moment to instantly witness an effervescent, chatty, intelligent, and refreshingly honest young man. Nearly everyone is aware of Layne’s nickname, “Back-to-Back Flack,” for his amazing feat of winning two coveted World Series of Poker bracelets back-to-back in no-limit hold’em events in 2002. He won the tournament’s first two no-limit hold’em events that year, topping fields of 449 and 528 players. The guy is relentless.
Layne was born in Rapid City, South Dakota, on May 18, 1969, and grew up mostly in Montana. He moved back to South Dakota to graduate from high school in 1987, and began working in a casino.
In 1991, he went back to college in South Dakota, and during the summers, he went to Deadwood, South Dakota, to deal cards. (Deadwood was made famous by the likes of Wild Bill Hickok and Calamity Jane in the late 1870s.) Word has it that Layne was one of the best poker dealers ever.
A Taste of Poker
“In 1993, I met a girl and we moved to Reno. I played poker and won about $10,000 in a month. Then, I started playing bigger. I played in a no-limit tournament at the Reno Hilton and won it. I started winning, and it came easy to me.
“My daughter Hailey was born in 1995. I moved back to Montana with my girlfriend and my daughter. We moved to Bozeman, Montana, to open up a cardroom in the casino. I did that for a while, but the mistake I made was caring more about work than my family.”
“I came alone to Vegas in 1997. In August, I entered the Hall of Fame $1,500 no-limit hold’em tournament at the Horseshoe, and with little experience, I won the tournament and $67,800. I still haven’t spent that money! I helped out some friends who haven’t yet paid me back.
“I didn’t really know what I wanted to do, so I moved back to Montana for a while. Then in 1998, I finally moved back to Vegas for good.”
An Ego Boost From Johnny Chan
“When I first came back to Vegas, I seemed to win everything I touched. I won in limit and in no-limit, and started playing in an Omaha split $300-$600 game. I was beating up everyone.
“One day, I won a Situs pkv games tournament but practically lost it all in a side game. It was late and I was losing. Johnny Chan said, ‘Hey, kid, get some sleep and I will stake you tomorrow.’ That was quite an ego boost. I played the Rio $500 no-limit tournament; Johnny staked me and I won it. Our deal was 50 percent with make-up.”
Johnny Chan is one of poker’s most respected players for his skill, his poker finesse, and the nine WSOP bracelets he has won. The fact that he would stake Layne was not only a great compliment to Layne, but also a great read by Johnny, judging by Layne’s incredible tournament success.
Layne cannot remember all of his high finishes, but here are some of them:
December 2004, $2,000 no-limit hold’em; Five-Diamond World Poker Classic, 13th, $6,690
November 2004, consolation tournament; Monte Carlo Millions, second, $40,000
October 2004, $3,000 no-limit hold’em; Festa al Lago III, second, $96,168
October 2004, $6,000 no-limit hold’em; Ultimatebet.com Poker Classic, second, $500,000
September 2004, $2,500 no-limit hold’em; Borgata Poker Open — WPT, fifth, $36,788
June 2004, $10,000 no-limit hold’em; Championship Poker at the Plaza, sixth, $20,000
March 2004, $1,000 no-limit hold’em; World Poker Challenge, 18th, $1,922
December 2003, $2,500 Omaha eight-or-better; Bellagio Five-Diamond World Poker Classic, first, $92,150
November 2003, $300 half seven-card stud & half limit hold’em; World Poker Finals, 15th, $1,362
September 2003, $100 no-limit hold’em — twilight; Four Queens Poker Classic, first, $9,811
September 2003, $500 Omaha eight-or-better; Four Queens Poker Classic, first, $15,715
May 2003, $1,500 limit hold’em shootout; World Series of Poker, first, $120,000
May 2003, $2,500 Omaha eight-or-better; World Series of Poker, first, $119,260
April 2003, $5,000 no-limit hold’em; World Series of Poker, ninth, $11,800
April 2003, $25,000 no-limit hold’em; Bellagio Five-Star World Poker Classic WPT Championship, 10th, $31,997
April 2003 $2,500 no-limit hold’em; Bellagio Five-Star World Poker Classic, 16th, $4,888
February 2003, WPT Invitational Tournament; first, $125,000
November 2002, $10,000 no-limit hold’em — WPT; World Poker Finals, second, $186,900
May 2002, $1,500 no-limit hold’em; World Series of Poker, first, $268,020
April 2002, $2,000 no-limit hold’em; World Series of Poker, first, $303,880
May 2001, $5,000 seven-card stud; World Series of Poker, 11th, $7,565
April 2001, $2,000 no-limit hold’em; World Series of Poker, third, $81,270
August 2000, $5,000 no-limit hold’em; Legends of Poker championship event, first, $114,000
May 2000, $5,000 Omaha eight-or-better; World Series of Poker, third, $59,400
May 1999, $3,000 pot-limit hold’em; World Series of Poker, first, $224,400
April 1999, $1,500 limit hold’em; World Series of Poker, eighth, $18,270
April 1998, $2,000 no-limit hold’em; World Series of Poker, second, $133,000
August 1997, $1,500 no-limit hold’em; Hall of Fame, first, $67,800
Layne’s first WSOP bracelet was won in 1999. Although he was in the money the next two years, he didn’t dazzle the poker community until 2002.
In April 2002, he won his second WSOP bracelet in the $2,000 no-limit hold’em event, taking home $303,880. Two weeks later, he entered the $1,500 no-limit hold’em tournament and decimated his competitors again, taking home an additional $268,020.
Layne waded through nearly a thousand competitors total to capture these two first-place wins. And he won more than $570,000 in two weeks. Yep, that Johnny Chan sure had a good read on Layne!
By the way, the next year, Layne did it again, winning two more bracelets back-to-back. But it just wasn’t as exciting in 2003, since we all knew he could pull off that sort of thing. It wasn’t as shocking, but it was still awesome.
“When I first started playing poker, I didn’t even know I could play no-limit. When I first started playing, I was winning. I don’t know how I did it. When some people asked me questions, I gave answers that flabbergasted them.
“As it turns out, in no-limit, everything you think you should do, do the opposite. In no-limit, you shouldn’t raise on the button, because everyone steals on the button.
“I was always a great people reader. In no-limit, a person might have to go all in. Everyone thinks you should go after the short stack, but I believe you should go after the big stacks. Not only that, the big stacks play scared against you because they have something to lose.
“I have many weaknesses in my game. Boredom is one and discipline is another. Getting ahead of myself is a big one. Then again, sometimes it benefits me. You never know. You can’t complain about what you’ve done wrong, as long as you learn from it.”
When I asked Layne to rate his play, he said: “A lot of people put me in the top category. Chip Jett told me that, undoubtedly, I’m in the top. But I would never say that about myself. I swore to my girlfriend a long time ago that I would always stay humble.”
“At one point in 1999, I stayed home and ran thousands of poker hands in my head. Then, I started playing in Larry Flynt’s $2,000-$4,000 stud game. I moved up to the $6,000-$12,000 game at Harrah’s, where I met Jerry Buss. When you meet someone, you can tell who they are and what they’re made of. We formed a friendship bond. I love his entourage. I go to all the Laker games and I feel so privileged.”
In 2003, Layne and Jerry were heads up at the WPT Celebrity Invitational Tournament that many of us watched on TV. It was interesting to see how the two smiled and joked with one another, almost as if they were related. Jerry made a respectable showing for a nonprofessional, but Layne was in complete control and won the title, the honor, and $125,000.
Layne is a gutsy guy who deserves respect for his frankness. He openly spoke about his use of alcohol and drugs, a topic gossiped about and widely discussed.
“I used to have a beer on each side of me. I could walk in and hardly drink, but because I have an outgoing personality, I got a bad rap. I could have a beer in front of me and people would think I was drunk, so a lot of people thought I was drunk all the time.
“Before 2000, I drank but never did drugs. Then, in Tunica, Mississippi, someone gave me an ecstasy pill. From there, I started trying everything. I don’t regret any of it. I wanted to learn about drugs. I was bored. I wanted to try stuff. I had plenty of money. I never had to be anywhere. I enjoyed it. But a person can do that for only so long.
“I remember playing in the Legends of Poker in August of 2000. I was being staked by Ted Forrest. At the end, I was heads up against Jeff (Shulman). The night before, Ted and I stayed up and partied all night long. I was so out of it, I couldn’t even drive myself to the casino. I had to take a cab to get there. Even though I was wasted, I still won.
“I am one of the most cognitive drunks around. I could be passed out on my chips, but when the floorman came over, I could tell him exactly what just happened.
“I knew I had to stop.”
“I discipline myself in certain ways. I lost a few hundred thousand betting sports. So now, I don’t watch sports so that I won’t bet and lose. I know if I watch, I will bet, and I don’t want to fall back into that. I discipline myself on things where I know I need to stay away.
“In my mind, I thought I could stop drinking and doing drugs. I guess the people who love me had a different idea. My brother called from South Dakota to ask my friend Daniel Negreanu (who was staking me) if there was anything he could do to help. My girlfriend, Paulette, searched for a program, which I agreed to do. It cost $60,000.
“Daniel paid the 60K for my rehab. I went into the program from July 22 through August 22, 2004. When I came out, the doctor gave me Ritalin, because I am hyperactive. I do well with no sleep. I have pretty close to a photographic memory. The doctor gave me 10 cards. Although I can’t remember a name, I could say the 10 cards frontward and backward.
“I don’t drink or do anything now, because I think that many people are in my corner, and I don’t want to let them down. Everything is boring to me except winning. No one is staking me. I have goals that are more near to me.
“I also have a 24-year-old girlfriend who keeps my mind full. And what keeps me going is helping other people. Paulette thinks it’s one of the greatest things about me.”
“I seem to have an intuition in poker that is amazing. I …
Neil Lennon has dismissed any suggestion that Celtic will be preparing to make a marquee signing in the looming January transfer window – and the Hoops boss isn’t of a mind to bring in a box office name on the back of a short-term loan deal.
In recent seasons the Parkhead side have introduced the likes of Roy Keane, Robbie Keane and Freddie Ljunberg at this stage of a campaign, with varying degrees of impact. With Celtic well on their way to a third successive title there would be little need for any further reinforcements other than to encourage more entertainment value for season ticket holders between now and the end of the season.
Lennon, though, is more inclined to look to the bigger picture as he attempts to mould a team for the long-term.
“I don’t want to bring in any players like that because it won’t serve any purpose going forward,” said Lennon. “Any player we do bring in I would like to be permanent.” A goalscorer, though, is the priority with the Hoops boss keen to bring in a Domino99 Pkv player who could use the remaining months of the current campaign to bed into the team and therefore be up and running when the critical but early UEFA UEFA Champions League qualifiers begin.
“We are looking but we’ve not pushed the button on anyone yet,” Lennon said. “You know what January is like. Every day a new name will come forward. But we have plenty of options and we would hope to come out of January with a stronger squad than the one we went into it with.”
Lennon has been linked with a move for Dundee United’s Stuart Armstrong but would not be drawn on the player. “You’re always wary that they play well at a certain club and they come here to a different environment with different pressure they’re not used to,” Lennon said. “You don’t just look at their ability but their mental strength as well.”
The Parkhead manager has been linked with a number of players, the latest being South Korean midfielder Han Kook-Young of Japanese club Shonan Bellmare, who claims he has already been approached by Celtic.
Egyptian teenager Mahmoud Hassan, Japanese midfielder Hiroki Yamada – who had a trial period at Lennoxtown last week – Icelandic striker Alfred Finnbogason from Heerenveen and USA international forward Aron Johannsson are also believed to be on Celtic’s radar.
“We have made strides in trying to get one player in,” said Lennon. “We are in talks, but nothing is confirmed yet. People think we have a relatively strong squad. But we don’t. A few injuries, and we are looking pretty thin at times. The likes of Scott Brown, Virgil van Dijk, Efe Ambrose, Kris Commons and Fraser Forster have played a huge volume of games – basically a season in half a season for a lot of players.
“A lot of these matches have been high-intensity, pressure games, but I don’t want the players to tail off now. Hopefully we can get into the break we are taking to Turkey next month unbeaten, and come back even fresher for the second part of the season.”
Lennon, meanwhile, has continued to play down any chance of his side going through the SPL season unbeaten.
The Celtic boss has taken great satisfaction from the consistency that his side have shown domestically this season, but he is wary of predicting a whitewash.
“To go through a league season is virtually impossible but where we are at the minute is very pleasing,” said Lennon. “The attitude of the players has been fantastic. People will look at the Scottish game and talk about the level of competition. But I’ve got to make this season better and the only way to do that is to instil a certain mentality, a will to win and a determination to not get beat. We’ve just had a Champions League campaign which wasn’t as good this year compared to last season. But we have set the bar very, very high.” While Lennon will look to bolster his squad in January, he will not recall Tony Watt from his loan spell at Belgian club Lierse.
20-year-old Watt scored twice as a substitute for Lierse in their 3-0 Boxing Day derby victory over Mechelen. It was a perfect response to recent criticism of the player’s attitude from Lierse coach Stanley Menzo who had raised doubts over whether Watt would remain with his club for the rest of the season.
Lennon agrees that Watt has issues to address but intends to leave the Scotland Under-21 international striker where he is for the moment. “I’m not of a mind to bring him back just yet,” he said. “We’ve loaned him for the year and I’d like him to see that one out. We couldn’t put him out on loan anywhere else if he does come back, so that’s not crossed my mind.
“I wasn’t aware the Lierse coach has had a pop at him publicly. I’ll speak to Tony over the next week or so, see how he is feeling and what the situation is. There’s an immaturity about Tony and the reason for putting him on loan was to see life at a different place. If it’s not going well, then he needs to knuckle down and make it work. The onus is on him. “He can be a difficult boy at times but there’s no malice in him or anything like that. When he’s finished at Lierse, he will still be part of our plans for the future. There’s no question that Tony has ability. He’s raw and just needs to polish it off a bit – and polish himself off as a fully rounded figure. He’s not a man yet.”
As debuts go, Fabio Capello’s as England manager was reassuring but ultimately meaningless.
After the misery of the Croatia defeat at the same venue in November, Wembley’s sell-out crowd was happy to witness a victory instead, but the contest will pass quickly into memory.
As if it needs repeating, Steve McClaren and Qiu Qiu Online Graham Taylor both won their first games in charge but ended their reigns in humiliation, while Alf Ramsey lost his but ended up winning the World Cup.
England’s 2-1 win on Wednesday was unremarkable. Capello’s men dominated the first half hour territorially, although Switzerland looked the more incisive in the final third.
Jermaine Jenas finished off a smart passing move five minutes before half time to give his Italian boss the first goal of his reign, and when Capello replaced the goalscorer and Joe Cole on 57 minutes, it seemed the game would wind down for the remainder into the slumber England friendlies often serve up.
Plaudits, therefore, to Switzerland’s Eren Derdiyok for making a match of the occasion when he lashed a snapshot past David James a minute later – the goal of the evening.
England responded confidently and were ahead again in the 62nd when Steven Gerrard, the Man of the Match, powered through the Swiss backline before laying the ball off to Shaun Wright-Phillips for an easy tap-in.
Wayne Rooney and Joe Cole underlined why they should be next on the teamsheet after Gerrard; Rooney with some deft flicks and impromptu shooting and Cole with some dogged foraging down the left wing, including the incursion which lead to Jenas’ goal.
If David Bentley is David Beckham’s natural replacement on the right, he must improve his crossing to finally dislodge Goldenballs from the running. After one especially overhit centre, the fans in the adjacent corner serenaded the Blackburn midfielder with ‘there’s only one David Beckham’.
Capello’s England has only just begun the metamorphosis from also-rans to contenders, but there were still some interesting hints of things to come. England might have kicked off with some misplaced passes and nervy indecision in defence, but did not resort to aimless long balls like they did against the Croats and showed some rare understanding of the phases of the game as it went on.
Instead of just attacking stubbornly for 90 minutes, for a spell in the first half the Three Lions played keep-ball Latin-style, although their failure to advance out of their own half soon had the crowd jeering, perhaps provoking them to respond with a goal.
For much of the opening 45, Capello’s men showed the importance of playing in the opponents’ half and when leading in the second, they did well by taking the game to the Swiss instead of sitting on their advantage and counting down the clock.
While England never looked like losing to Switzerland – the Euro 2008 joint-hosts lost at home to the USA in October and are ranked 44th in the world (England are 12th), they also did nothing to dazzle the spectators or stake a claim to be up there with Europe’s best.
Still, I think we would settle for humdrum 2-1 wins all the way to the World Cup final in 2010.
If there was anything revolutionary in the air, it was the disciplined regime initiated by the much-travelled Italian, which may have had a knock-on effect on the fans, too.
No one can reasonably complain if he opts to call his captain ‘Gerrard’ instead of ‘Stevie G’, orders the players to keep to rigid meal times like friars in a monastery, and, at long last, has sent the WAGs, agents and assorted hangers-on packing from the team hotel.
The much-trumpeted minute’s silence to commemorate the 1958 Munich air disaster was barely 30 seconds, and was interrupted by two or three morons, but only two or three, which amid 86,857 at Wembley is not a bad ratio.
For the first time in my Wembley memory, I heard nobody in my section boo the visitors’ national anthem. I also failed to spot any flags emblazoned with the names of banned Ulster terror groups, and heard no bone-headed renditions of ‘No Surrender to the IRA’.
Looking around the gleaming new arena with its magnificent architecture, I wondered if at long last the boorishness that has dogged England’s fanbase for years was finally withering away in the face of a new era.
What surprised me most, though, was glancing to my left and finding my eyes fixed upon the familiar form of one of the world’s greatest coaches, looking unfamiliar in an England tracksuit, but brooding over his troops with his reknowned intensity.
Sterner tests will come, beginning with the trip to Zagreb to face Croatia on the 10th of September for a World Cup qualifier.
So far, so good: Capello has a 100% record. And for a non-English speaker picking up a team strangled by player egoes, and a nation demoralized by their failure to perform, he has showed an encouraging desire to do things his own way.
Assessments will change when the meaningful games arrive in the autumn, but for now, Fabio’s road looks the right one for England.
ENG – Jenas 40′
SWI – Derdiyok – 58′
ENG – Wright-Phillips 62′
England: James, Brown, Ferdinand, Upson, Ashley Cole (Bridge 73′), Bentley, Jenas (Wright-Phillips 57′), Gerrard, Barry (Hargreaves 73′), Joe Cole (Crouch 57′), Rooney (Young 87′).
Switzerland: Benaglio, Lichtsteiner (Behrami 46′), Senderos (Grichting 55′), Eggiman, Spycher, Inler, Gelson (Huggel 84′), Barnetta, Yakin (Margairaz 63′), Gygax (Vonlanthen 46′), Nkufo (Derdiyok 46′).
For nations like Japan, Saudi Arabia, Iran, Korea and now Australia, the Asian Cup is second only to the World Cup in importance and not only that, it is the one major competition that is, at present, winnable for such teams.
The Taeguk Warriors haven’t done so for 47 years – and, ten months after taking his place in the hotseat in Seoul, South Korean coach Pim Verbeek is determined to end that drought. However, the Dutchman feels that the people involved in Korean football are not all pulling in the same direction.
With less than four weeks until the agen slot Asian Cup begins, the K-League is still going at full pelt. Korea’s 14 clubs will play their last games before the summer break on June 23 and the midweek Hauzen Cup will come to an end four days later – just nine days before the national team leaves for Indonesia and Group D matches with the co-hosts, Saudi Arabia and Bahrain.
Verbeek believes the late finish as well as the hectic domestic schedule with games every weekend and Wednesday since the season began in March will harm Korea’s chances in Indonesia.
“As far as I can see, in less than three months time there have been 22 games – which is impossible. Players are tired, the coaches can’t train and have no time to improve the team and because of that. I have no preparation,” Verbeek told Soccerphile.
A congested fixture list is not unique to Korea. England is well-known for the amount of games played – the English season has already accounted for Park Ji-sung, Lee Young-pyo and Seol Ki-hyeon, all three of which are likely to miss the Asian Cup through injury but according to Verbeek, the situation is not the same.
“In England most of the players are a very high standard and in Korea we have so many young players. To improve young players you have to train. You have to do tactical training, you have to let them rest and let them develop. I see here 20 year-old players play 20 games in less than three months. What can we expect? You have to learn from your mistakes but if there’s no training…”
Occasionally there can be too much training. When asked if it would be possible to contact the K-league coaches to request that one or two players be rested occasionally, Verbeek smiled, shook his head and gave an example regarding Jeolla Province club Chunnam Dragons.
“When we went to Yemen recently for the Olympic game, we flew from Korea on Sunday evening. Most of the players played at the weekend for their K-League clubs. One of the teams lost on Saturday and the coach thought it was a good idea to give the players extra training at 6.30 on Sunday morning.
“I think that’s disrespectful for the players. Whether the Olympic team players play well or not, at least they need some rest before they go on a 20-hour trip.
“So, after those players played a game on Saturday, they had to train at 6.30 on Sunday morning, then travel to Incheon and then fly on Sunday evening to Yemen and then they are expected to perform on Wednesday.
“I have never heard of a coach who is training at 6.30 on Sunday morning after losing a game. I think if you do that in Europe then nobody will believe it. Physically and football-wise that is not the way we treat our players in Europe even if they lost a game.
“But it’s a different culture. It’s his (Chunnam coach and ex-PSV player Huh Jung-moo) idea to punish his players like this but the point is I needed those players for a qualification game for the Olympic team. At least I would have expected that those players be given a rest because the next evening they have to sleep on the airplane which is not the best preparation.”
Preparation. That is what Verbeek is at pains to emphasize as he looks to the team’s first game in the Asian Cup.
“Preparation for the Asian Cup is only two weeks; less than four weeks for the last World Cup and five months for 2002 but it is a challenge. The good part is that the players know what to do because we always play the same system. They know exactly what position they have to play.”
That will come in useful on July 11 when South Korea kicks off its campaign against Asian powerhouse Saudi Arabia.
“Saudi Arabia is one of the favourites,” said Verbeek, “so it’s good that we have them in the first round and as long as we progress then we can’t meet again before the final.”
According to the coach, there are a number of other rivals that Korea must watch out for in south-east Asia.
“Iran is always a difficult opponent, China I have no idea how far they are but they probably have good preparation. Japan always has a good selection of players to choose from.
“Australia? Most of their players play in England and I am very curious to know how they will handle that. The English season has finished so they also have to find a solution for players not playing from May 13 to July 8 or 9 – that’s a big challenge.
Korea are in the opposite situation.
“The good part of our preparations is that our players are match-fit,” says Verbeek and then laughs, “too much so!”
A sense of humour could come in handy over the next few weeks.
BLACKJACK GLOSSARY. Part 1.
Anchor – Last taken seat to the dealer’s right
Black Chip – A $100 blackjack chip
Blackjack – Total of 21 on your opening two-card hand
Break (Bust) – Exceeding a hand total of 21 pointsand lose the hand
Burn Cards – Take away cards from the top of the deck and place them in the discard tray after shuffling and cutting
Double Down (Doubling Down) – The option of doubling your initial bet after the initial two-card deal, but you can hit only one card, turn over your first two cards
Double Exposure – Blackjack game in which both dealer cards are shown to the player before they play their hand, some house rules may be changed
Early Surrender – Surrender allowed before the dealer checks for blackjack, a player may give up after their first two cards but before the dealer checks for an Ace in the hole
Face Cards – Jacks, Queens and Kings, all with a value of 10
Face Down Game – Your first card is placed face up while the second one is placed face down
Face Up Game – Both your cards are placed face up
First Base – First taken seat to dealer’s left, where the first card is dealt, the first blackjack player to receive cards when the dealer deals the cards
Hard Hand (Hard Total) – A hand without an Ace, or with an Ace valued at 1, it can only be given one value
Heads Up or Heads On – A head to head play with the blackjack dealer only, with no other blackjack players
Hi-Lo Count – One-level blackjack card counting system where cards 2 – 6 cards get a value of plus one and the 10s and face cards get a value of minus one
Hi-Opt – One-level blackjack card counting system, it assigns the value of plus one to 3’s, 4’s, 5’s and 6’s; minus one to 10s cards
Hole Card – This is the facedown card that the blackjack dealer gets
Hot Deck – To take another card from the blackjack deck.
Public Transportation in Argentina can now be paid with BTC | Shelter Crypto | Shelter Humanity | Charity Token Homeless | Charity Coin
BTC can be used to load the national contactless smartcard that is used for paying public transport throughout Argentina. According to the Argentine government’s website, these cards can be used for travel on buses, trains and subways in 37 cities including Buenos Aires.
BTC can be used to top up sube cards
According to local news outlet, cripto247, users of Sube (Sistema Unico de Boleto Electronico), can fund their rechargeable contactless smartcard with Bitcoin. They will be able to use it in 37 cities across Argentina from Thursday.
Public Transportation in Argentina can now be paid with BTC in Shelter Humanity
These cards are promoted and used by the Argentine Secretary for Transportation to pay for public transport services in Argentina. The government website explains that they are valid for “buses (trains, subways, and motorboats” The Buenos Aires tourism site notes that to travel by bus (or subte) in Buenos Aires you will need a rechargeable Sube card.
These cards can be top-up with Bitcoins thanks to the integration of Alto Viaje, an online card financing platform, and Bitex, a fintech startup. Alto Viaje can be found on the Sube government website as one vendor that cardholders may use to fund their accounts. Alto Viaje has more information on its website.
Alto Viaje & Bitex
Alto Viaje offers two methods of funding Sube cards now: Paypal and BTC. According to the website, Rapipago will soon be added funding via the platform. “Alto Viaje chose to use Bitex for the technology and liquidity that it has, which is a necessity to face a project this size.”
The Bitex CMO Manuel Beaudroit was quoted as saying that he believed that this project was of great importance because it brought technology as disruptive like bitcoin to the common man. He also stated that the minimum amount of funding in BTC is 50 Argentine Pesos ($1.32), according to the publication.…
The 2007 K-League season is slowly starting to get into its stride. The first three rounds have contained a reasonable amount of goals and excitement as the Korean media and coaches have been telling everybody who will listen. It is early days. Encouragingly perhaps, most of the good stuff has been shown by the bigger Togel Online clubs in the league. What is definitely promising is that those clubs have also been getting good results too. Seoul, Ulsan, Seongnam, Pohang and Suwon make up the top five and it will be no surprise at all if that same quintet is doesn’t change much from now until November.
Seoul are the pacesetters and are the only perfect pick from the bunch. Even more ominous for the others is the fact that new coach Senol Gunes has yet to see his team concede a goal in 270 minutes of league football. The Turk, like many other coaches pre-season, has promised entertaining football and the team are trying – though at the moment they can only do so in fits and starts.
Seoul have yet to meet any of the big boys however – in fact none of the top five have played each other yet. Hopefully the best is yet to come. The biggest news of the past week was not the K-League or Park Ji-sung scoring two goals for Manchester United but Ahn Jung-hwan’s hat-trick in the Hauzen Cup.
The first round of the competition saw Suwon’s traditional bogey team Daejeon Citizen visit the ‘Big Bird’ Stadium. Ahn took the purple hearts apart with a display of clinical offensive play not often seen in the K-League since, well, since he left in 2000.
Two calm finishes in one-on-one situations sandwiched a sweet half-volley from a narrow angle. Instead of kissing his wedding ring as in days of yore, Ahn celebrated his goals by kissing his index finger – the nation does not yet know the reason for this change!
It was inevitable then that calls for national team coach Pim Verbeek to include
the striker in his squad to face Uruguay on March 24 increased. “As soon as
he comes back to Korea, everybody wants him back in the national team,” Verbeek
told me earlier in the month.
“So do I, but not immediately. I wanted to take
some pressure from him. We have time to find out if he is the same as in 2006
and before that.” As it turned out, it was too soon for the “Lord of the Ring”
but if he continues to perform domestically, few would bet against him playing
some part in the Asian Cup this summer.
He will have to watch from the sidelines on Saturday as will experienced midfielder Kim Nam-il. Ahn’s Suwon team-mate was stretchered off the pitch in last Saturday’s 1-0 win over K-League with a neck injury.
His place will be taken by new boy Son Dae-ho of Seongnam – a
midfielder that was impressive form in the second half of last season and the
beginning of this. The Seongnam new boy will be finding his way around Paju
National Football Center along with Kim Chang-soo of Daejeon Citizen, Kang Min-soo
of Chunnam Dragons and Ki Sung-young of FC Seoul.
South Korea Squad:
GK: Kim Yong-dae (Seongnam), Kim Young-kwang (Ulsan), Jung Sung-ryeong
DF: Kim Chi-kon (Seoul) Kim Chi-woo, Kim Jin-kyu and
Kang Min-su (all Chunnam), Lee Young-pyo (Tottenham, England) Oh Beom-seok (Pohang)
Kim Dong-jin (Zenit, Russia) Kim Chang-soo (Daejeon)
Doo-hyun, Kim Sang-shik, Son Dae-ho (All Seongna) Baek Ji-hoon (Suwon) Kim Jung-woo
(Nagoya, Japan) Ki Sung-young (Seoul) Oh Jang-eun (Ulsan) Lee Ho (Zenit, Russia)
FW: Cho Jae-jin (Shimizu, Japan) Jung Jo-gook (Seoul) Lee Chun-soo
(Ulsan) Park Ji-sung (Manchester United, England) Seol Ki-hyeon (Reading, England)
Yeom Ki-hoon (Jeonbuk) Choi Sung-kuk (Seongnam)
It’s ‘snow’ joke
The Asian Champions League started on March 7 with two of South Korea’s three
representatives in action – champions Jeonbuk Hyundai Motors have a bye to the
quarter-finals. Chunnam Dragons made their debut in the competition by failing
to defeat Bangkok University.
The hosts were the happier of the two with the
goalless draw as they made the Korean FA Cup holders look very average on a
sultry Thai night. Conditions were a little different back home where Seongnam
Ilwha Chunam started their campaign with a easy-looking game with Vietnamese
outfit Dong Tam Long An.
It was a cold day just to the south of Seoul and the seven-time champions were confident of handing their opponents a sound beating.
About 30 minutes before kick-off however, it started to snow and the white stuff
just kept on coming. By kick-off the pitch was just about playable but ten minutes
into the game it was impossible to see any markings as the white carpet got
thicker and thicker.
Nobody thought to use a coloured ball and instead we were
treated to players gingerly walking around in a blizzard trying to find a white
sphere on a white background.
“Obviously it was very difficult for Dong Tam coming from Vietnam,” said Seongnam coach Kim Hak-beom with just a little understatement.
“These were the worst conditions I have ever seen.” Most of the visiting players
had never even seen snow before and it was a heavy fall even by Korean and other
Seongnam striker Kim Dong-hyun spent last season in Russia but
said: “I never saw anything like this.” The seven-time champions won 4-1 but
the Vietnamese coaching staff, the ones not tucked beneath blankets on the bench
that is., were obviously unhappy at the start of the second half and it looked
as if the game would be abandoned. AFC and perhaps other officials intervened
and the ‘game’ restarted. “It was a mistake to continue in these conditions,”
said Portuguese coach Henrique Calisto. “My players have never experienced anything
like this before. “When Seongnam come to Vietnam we will show them some nice
and warm weather and hopefully a good game”…
memang tidak bisa dipungkiri bahwa dewasa ini sudah semakin canggih teknologi. Hal tersebut cukup berpengaruh pada dunia perjudian online. Salah satu buktinya adalah game judi lewat atm di android. Dengan mesin atm tidak perlu lagi mengantri panjang di bank sehingga waktu yang anda miliki tidak terbuang sia-sia. Selain itu pilihan atm yang disediakan pun cukup banyak.
daftar segera di sbobet dengan minimal deposit 50rb dan mainkan berbagai games online kami menerima transaksi via atm bank BCA, BNI, BRI, Danamon, Cimb Niaga dan Mandiri
Game Judi Lewat Atm Di Android Punya CS Berpengalaman
Agen judi bank lewat atm juga memiliki Customer Services berpengalaman yang terlatih. Pelatihannya dilakukan selama berbulan-bulan sebelum menempatkan ke posisi Customer Services. Dan posisi tersebut untuk melayani anda. Semua kualitas sudah teruji dalam semua pelayanan. Semua proses transaksi cepat membuat game judi online melalui atm menjadi yang terbaik. Terlebih lagi jika anda memainkannya menggunakan ponsel android. Namun anda tidak akan membuktikannya sendiri bila tak menjadi membernya langsung pada agen judi terpercaya.
Memang sebelum bergabung dengan agen online banyak yang berpikir kenapa harus bergabung? Agen judi online terpercaya adalah satu-satunya website paling aman dan terpercaya yang menjadi partner dalam berjudi. Agen terpercaya bukan agen penipuan dan abal-abal. Di sana anda akan terbebas dari para oknum yang tak bertanggung jawab, karena situs tersebut bukan palsu dengan tujuan untuk menipu anda. Togel Hongkong Untuk itu, anda tak boleh menyia-nyiakan uang dengan bergabung bersama agen tak jelas. Berhati-hatilah menentukan agen judi yang pantas untuk menjadi tempat mencari keuntungan, bukannya malah merugikan. Maka carilah yang terpercaya dengan pelayanan menggunakan teknologi canggih.
Agen abal-abal juga memberikan kontak informasi sama halnya dengan agen terpercaya. Namun perbedaannya adalah agen game judi lewat atm di android terpercaya memiliki respon yang cepat dan selalu aktif selama 24 jam. Setiap kali anda menyakan suatu masalah akan dijawab dengan baik, ramah, dan benar. Untuk agen penipu tidak memiliki respon yang baik, bahkan terkadang membalasnya cukup lama karena tidak selalu aktif kontaknya. Terkadang juga berubah-ubah setelah berhasil menipu korbannya. Untuk itulah anda harus hati-hati.
Game Judi Lewat Atm Di Android
Game Judi Lewat Atm Di Android Cukup Efisien
Perjudian online dengan pengiriman deposit menggunakan atm memang cukup efisien. Karena sekarang ini mesin atm tersebar dimana-mana bahkan dipelosok desa juga sudah ada. Selain itu dengan mesin atm waktu transaksi anda menjadi sangat panjang yaitu 24 jam. Namun jika bank yang anda gunakan memiliki jadwal offline tetap perhatikan dengan baik. Jangan lakukan transaksi pada jam-jam offline karena berbahaya. Uang yang anda kirimkan tidak bisa diproses oleh pihak bank dan agen judi online. Untuk masalah ini bukan berarti agen tersebut penipu tetapi karena masalah sistem.
Anda hanya perlu mencari situs terpercaya yang bisa melayani anda. Dengan agen terbaik anda pasti selalu merasa nyaman ketika melakukan transaksi. Tidak takut kehilangan uang dan berpikiran hal-hal yang negatif. Menggunakan atm untuk transaksi memang cukup efektif apalagi anda yang tidak punya waktu untuk pergi ke bank karena kesibukan kerja yang harus anda jalani. Maka pilihan ini memang tepat untuk anda dalam mengirimkan uang deposit.
Sebenarnya tidak hanya untuk mengirimkan deposit saja tapi juga bisa untuk melakukan penarikan withdraw. Bahkan bisa juga untuk membeli pulsa. Ini sangat berguna ketika anda bermain judi online dan kehabisan kuota maka bisa langsung pergi ke atam untuk membeli pulsa. Demikianlah game judi lewat atm di android yang semakin memudahkan anda dalam bermain judi online.…
daftajoker123.id adalah salah situs judi online yang menawarkan produk Joker123. Dengan menjalin kerjasama dengan agen joker123 minimal deposit 25000, Anda bisa menikmati banyak sekali jenis game judi casino dengan mudah.
Agen Joker123 Minimal Deposit 25000
Tentu saja permainan casino dari Joker123 dimainkan dengan melibatkan uang asli secara langsung. Artinya, Anda harus melakukan pengisian saldo kredit virtual terlebih dahulu. Banyaknya pilihan bank yang disediakan membuat proses transaksi DEPOSIT ataupun WITHDRAW bisa berjalan cepat.
Ketika bermain bersama Kami, Anda bisa menghubungi Costumer Servis saat mengalami kendala pada proses transaksi DEPOSIT. Costumer Servis disini juga akan selalu standby dan Online 24 jam penuh setiap hari. Perbandingan antara uang asli dan kredit virtual adalah 1 : 1.000.
Berbeda jauh ketika Anda bermain judi casino secara konvensional (darat). Pemain harus membeli chip melalui kasir yang telah disediakan. Namun bersama Joker123, Anda bisa melakukan transaksi melalui Internet Banking dan Mobile Banking.
Permainan yang ada dalam Joker123 sama seperti yang ada dalam sebuah Casino lain. Tersedia pula fitur LIVE STREAMING yang disediakan oleh Joker123. Sehingga pemain bisa merasakan sensasi keseruan seperti ketika dirinya bermain judi secara LANGSUNG. Anda pun bisa menyaksikan seorang dealer cantik memandu permainan seperti ketika bermain secara LANGSUNG.
Di bawah ini adalah permainan yang bisa Anda mainkan bersama Joker123. Anda pun bisa secara LANGSUNG melihat seorang dealer-dealer cantik yang memandu permainan.
Live Baccarat Joker123
Live Roulette Joker123
Live Sicbo Dadu Joker123
Live Dragon Tiger Joker123
Dan Anda pun bisa memilih 4 dari sejumlah pilihan yang ditawarkan. Diantaranya adalah seperti penjelasan di bawah ini!
Asian Gaming Casino
SA Gaming Casino
Dan E-Bet Casino
Setiap casino tentu memiliki kelebihan masing-masing yang akan membuat permainan judi casino online menjadi jauh lebih menarik. Seperti misalnya Anda bisa melakukan transaksi bersama dealer secara langsung.
Tidak hanya game slot online saja, masih ada banyak sekali permainan-permainan lain. Seperti Joker123 Slot, Tembak Ikan Joker123, dan Multiplayer Game Joker123. Seluruh permainan bisa dimainkan cukup dengan memanfaatkan 1 User-ID saja.
Panduan Membuat ID Dari Agen Joker123 Minimal Deposit 25000
Supaya Anda bisa mewujudkan mimpi menjadi seorang jutawan baru. Tentu saja bergabung bersama dengan Agen Joker123 Online RESMI. Agen Joker123 Resmi disini akan membantu setiap bettor dari Indonesia ketika ingin bermain. Mulai dari bantuan proses daftar Joker123, Deposit, Withdraw dan berbagaimacam keluhan yang dialami.
Silahkan mengisi formulir pendaftaran dari Joker123 online Togel secara LENGKAP dan BENAR. Nah, di bawah ini adalah isi atau kolom-kolom yang ada pada formulir pendaftaran Joker123.
Nama Pemilik Rekening
Nomor HP Aktif
Kemudian klik SUBMIT untuk melanjutkan dan menyelesaikan proses PENDAFTARAN. Anda juga harus menghubungi Costumer Servis yang selalu ONLINE 24 jam penuh setiap hari untuk melakukan konfirmasi. Setelah menyelesaikan proses ini, seorang CS akan memberikan Username – Password pada seorang pemain. Menggunakan Username – Password inilah seorang pemain bisa LOGIN dan menikmati berbagaimacam game judi casino online.
Ketika bermain judi slot joker123, seorang pemain juga mempunyai peluang untuk mendapatkan banyak sekali PROMO BONUS menarik. Bahkan pemain juga berpeluang untuk memenangkan PROGRESSIVE JACKPOT yang disediakan. Jadi seandainya Anda ingin cepat menjadi jutawan baru, silahkan bergabung dan bermain judi slot Online bersama Joker123.
It is true. Blackjack is one of the most popular table games in all the Casinos. Just walk through the table games areas and notice how many blackjack tables are there compared to all the others. That is because it is an easy game to play and with the correct strategy, a player can get an advantage against the dealer, or at least lessen the dealer’s advantage.
How would a player accomplish this? Well the first thing is you need a good sound strategy. This strategy is really very basic but is vital to having success at the blackjack table. Here are some simple rules you should always follow;
1) Always assume the dealers down card is a 10. This is playing the probabilities, or odds. This also means if a dealer is showing a 5 or 6, then his probability of busting is very high. You would want to stand on anything that you could bust on and hit on anything that you won’t bust on. This includes an Ace and 6 which gives you a 7 or 17. This is referred to as a soft seventeen. Double this down and watch your bankroll grow, not every time, but more than not.
2) Do not ever play a hunch or gut feeling. This will ruin the table for you and your fellow players. The odds are a much more accurate indication than a hunch.
3) Know when to hit, stand, split and double down. So often what to do depends on the dealers hand as well as yours. In blackjack, it is very important that you follow a proper blackjack strategy. You should learn these blackjack strategy rules, or obtain a blackjack strategy card. If a player tells you a blackjack strategy card is developed by the house to increase the house advantage, and they won’t play by it, get up and move to a different blackjack table. They will suck your pockets empty for the casino. The casinos love these types of players.
There are many other important strategies that could, and should be developed along with in game strategies. They include, but are not limited to how to pick a winning table, what type of player you want to have at your table (don’t sit down if other players don’t use proper strategy), how to count cards and how to get a dealer to help you (you should be tipping the dealer even if you are losing, they are providing a service to you). Find other resources on these subjects and educate yourself. Your favorite sports team couldn’t win without a complete game plan, and you can’t either!
Counting Cards to Win At Blackjack
First, casinos hate card counters. It takes away the advantage they have at the blackjack table. But card counting is not illegal as long as you don’t use any devices to help you accomplish this. Did you ever wonder why some casinos use automatic shufflers? This is the reason. If you were suspected of card counting at a casino, you probably would be told to leave by security. Blackjack card counting is an advanced strategy that will take considerable concentration at the blackjack table. Counting is a term used to describe the system you will use to keep track of whether the blackjack shoe has more high cards, or low cards or 7,8 or 9’s left to distribute. A shoe filled with 10 value cards increases your chances of winning, while a shoe filled with lower cards increases the advantage of the house. If you know the shoe is filled with 10 value cards, then you will want to increase your Togel bet accordingly. Get aggressive, but not to aggressive since you are being watched. A sudden, very large increase in your bet will get the pit bosses attention and he will suspect you of card counting.
Card counting in blackjack is not done by memorizing each card that has come out of the shoe. If you could do that you should be a huge winner at everything you do in life. We count cards by assigning a value to each card that comes out of the shoe. This includes the dealer cards and all other players cards at the table. This is called the running count. Based on a plus or minus system, here are the values assigned;
1) 2,3,4,5,6 = +1
2) 7,8,9= 0
3) 10,J,Q,K,Ace= -1
So if these cards are on the table 9, J, 2, 4, 6, 10, you would have a running count of +1 (0, -1, +1, +1, +1, -1) This would mean you have one less low card in the shoe. The later you get in the shoe the more true the count becomes, so you should bet accordingly. Also, you could take the running count and divide it by the number of decks left in the shoe. The larger the number, the more sure you can be of your count.
So there you have a quick overview of card counting. The more experienced you become at it, the easier it gets. This strategy should be used with other successful st
That won the throw today IPL cricket suit? See IPL 2021 Live Toss information and also arise from right here. The alternative reveals to you the IPL 2021 online streaming online that will undoubtedly make you view the cricket video game free. Celebrity Sports will relay the IPL 2021 Live Suit on the internet, streaming its all networks. Skies Sports and BT Sports TELEVISION networks are the very best resources to enjoy IPL 2020 Live suits in the UK. The IPL 2021 online streaming online is free for cricket followers and fans. In 2014 when IPL was played in September 2020, lots of cricket followers that did not have the cash to pay Hotstar for viewing IPL live streaming made use of thoptv IPL 2021 choice to enjoy IPL live. Making Use Of ThopTV Most Recent Variation APK is fairly very easy when you download it and open it, after that you obtain all the points according to various groups on its homepage, where you can locate any type of film, internet collection according to you Can enjoy programs like TELEVISION Program.
Resting at their house, they can currently view the thoptv live cricket live utilizing several means. Aside from the integrated video clip, gamer Top on-line IPL Collection, Live sustains third-party video clip gamers like MX Gamer Pro, VLC, etc. It provides you an additional factor to utilize this top apk Quora application download. Likewise, online video clip cricket, Kid, Sports, Movie, Food preparation, Information, Thoptv live cricket, and that is just the pointer of the iceberg. They are the main program companions of IPL, Cricket South Africa, Bangladesh Cricket Board, Pakistan Cricket Board, Zimbabwe Cricket, Pakistan Super Organization, and others. Furthermore, countless mobile customers are obtaining amused and also are thrilled as it provides the convenience of real-time mini tv without billing a solitary cent. Below we are most likely to inform you of a variety of methods that you undergo utilize for enjoying IPL Live Streaming Online in an HD setting.
If you have tv collection on your residence, after that, it will be the finest means for you to see the ipl real-time suit streaming free. Toss in its durable collection of safety and security functions, and ExpressVPN is the ideal overall VPN for streaming – and probably ideal of all. It has a 30-day cash back assurance plus three months FREE when you subscribe for a year. Download it now and also begin streaming your favored web content today. We have every day Update Finest Approaches and Techniques To See Thoptv Live IPL Suit 2021 Free On Your Mobile Quickly 2021. Listed below, you’ll likewise obtain Thoptv Like app Download and install For all drivers through which you can begin Live free Streaming. Today, several variations of celebrity sporting activities in India for streaming the IPL live on the internet cost-free based on the local language.…
Vitamin C ( L-ascorbic acid ) is a nutrient that your body is not able to produce itself and therefore you need to eat those healthy fruits and vegetables that contain it. You’ve heard that vitamin C is used to help treat colds, but did you know that it is also used to prevent and even reverse ageing skin?
Vitamin C has been studied for a few decades to determine its effect on the skin. Although the jury is still out whether or not it is as beneficial as professed, it has shown to be helpful for some people. Learn more about sun damaged skin on www.skincareguide.ca/conditions/sun_damaged_skin.html
HOW VITAMIN C WORKS:
It works in two ways:
- Antioxidant: Ultraviolet radiation can generate oxygen free radicals that cause aging of the skin. Vitamin C can act as a first defense, against some of these radicals (plasma/water-generated radicals). Vitamin E on the other hand, works against another type of radical; the fat-soluble radicals within the plasma membranes. It makes sense that Vitamin C and E are used together to defend against both types.
- Collagen. Collagen is a key component of most tissues. Vitamin C works as an essential factor for the normal formation,, maintenance and structural stability of collagen.
WILL EATING MORE ORANGES HELP MY SKIN?
You might think that eating a bunch of oranges will improve your skin, but unfortunately it’s not that simple. In fact, eating Vitamin C does not appear to increase its levels in your skin to any significant degree. Topical creams and lotions containing Vitamin C however can be absorbed. The difficult part is first, keeping the Vitamin C stable enough in the lotion for it to be beneficial and secondly, for it to be able to penetrate the skin. Both of these factors are difficult to achieve with Vitamin C due to the nature of its composition. In order for it to penetrate the skin, a low pH (acidic environment) and high (>10-15%) concentration of Vitamin C are needed before it is effective. Not all Vitamin C products are alike and not all of them meet these two essential elements. You can also learn about “where can fillers be used on face“, click here
WHAT ARE THE BENEFITS?
There have been a number of studies conducted both on animals and humans, many with very encouraging results. Animal studies have shown Vitamin C can protect against UVA and UVB damage such as redness, formation of abnormal cells and immunosuppression. In human studies, topical Vitamin C has resulted in some improvement in collagen production, perhaps leading to better looking skin.
So in summary, Vitamin C has shown positive results as UVA/UVB protection, decreasing pigmentation and increase collagen production, all factors in aging your skin. It is important to note that using one solution alone will not resolve your photo-damage. It starts with protecting your skin, taking care of it, and using the best combination of products for your skin type to fight photo-damaged skin.…
Do you struggle saving money? If your answer is yes, you are not alone in your struggle to save money. According to statistics, “45% of Americans have saved nothing for retirement, including 40% of Baby Boomers. 38% don’t actively save for retirement at all.”
Having something saved up for retirement is very important because a time will come when even the strongest of us will be unable to work anymore.
The first thing that you should do now to overcome financial struggle that leads to the inability to save, is to find out the reasons for your inability to saving money, and then make a decision on ways to fix it.
Here are some reason why you might struggle saving money and how you can overcome it.
#1 Not Having Goals Causes Struggle Saving Money
Everyone ought to have personal financial goals for their lives, whether short term or long term. Drawing up tangible and realistic financial goals and following them religiously is a key to avoid your struggle to save money and achieve success in all your financial goals.
According to a survey by the Brassica trust Mutual, the number of Americans ages 25 and older who identify themselves as “non-planners” and as having “no established financial goals” doubled to 14 percent between 2012 and 2015.
A financial goal is the first step that sets you on a path to overcoming money problems. Your goal should be based on what matters most to you – your own values and interests. What are you willing to sacrifice in order to achieve your goal sooner? What can help you stay the course?
A realistic goal should be:
Measurable. Set a time limit for your goal, such as the deadline to buy a new house or the age at which you wish to retire.
Achievable: Plan with your income (and anticipated income) to plan your financial goals for the future. Don’t reckon on winning the lottery to accomplish your goal.
Specific: ‘To acquire wealth’ is not a specific or clear goal, but “to save 30% for a house mortgage” is.
Regardless of what life stage you are in, it’s never too late to set a financial goal today.
#2 Spending Without a Budget
According to a 2013 Gallup poll, only 32 percent of U.S. households prepare a monthly budget. How can you manage your expenses and save money without a budget?
One of the best weapons for eliminating financial problems is a budget. A budget is a very useful tool that helps you prioritize your expenses and handle your money—regardless of how little you have.
A budget guides your spending decisions and ensures you’re spending money on what’s really important to you. It helps you to spend your money in a way that helps solve your financial problem.
Preparing and monitoring your budget will help you recognize wasteful expenses, adjust quickly to changes in your financial situation, and achieve your financial goals. Creating a budget will also reduce your stress levels.
You can learn more about how a budget works here
#3 Paying Too Much for College
According to Student Hero, “Americans owe over $1.4 trillion in student loan debt, spread out among about 44 million borrowers. That’s about $620 billion more than the total U.S. credit card debt. In fact, the average Class of 2016 graduate has $37,172 in student loan debt, up six percent from last year”
There’s no doubt that as a college student, you may not only struggle saving money, you will likely end up with student debt. About all college students will obtain some form of student loan at some stage in their college career. This debt, after graduation can at times seems devastating.
But luckily, there are ways to ease some of the debt and the anxiety that goes with it. By following a few easy tips, you can shun student loan debt, or at least make it more manageable.
There are several ways to reduce & avoid overwhelming college student loan debt including:
Getting a Job and Starting to Save Early
Getting a College Credit without Paying for College Classes
Looking High and Low for Scholarships
Rethinking Your Choice of College
Avoiding Private Student Loans
Making a Budget
Finding Ways to Reduce Your Costs
#4 Lack Of Investments
Nearly 80% of millennia’s, according to a Harris poll do not invest in the stock market. According to the poll result, more than 40% said they feel they don’t have enough money to invest, 34% said they don’t know how, while 13% expressly blamed student debt for their inability to invest.
You’ve undoubtedly heard about the risks connected with investing. And it is indeed true that all investments involve some kind of risk. But what about the risk associated with not investing? Isn’t there a greater risk there?
As one of my mentors (Late Archbishop Benson Idahosa) would say, “It’s risky not to take risks.”
Actually, by refusing to invest, you are taking several risks, among which may include:
Inability to maintain your financial independence. While you may not become completely broke, you could end up struggling to make ends meet or, worse, you could become dependent on others for financial assistance.
You may outlast your money
You might not be able to retire on your terms.
One of the most important rewards of investing is that you can have your money work for you to make more money and not having to work your entire life. There are just two ways to make money: either by working and/or by making your assets work for you.
You can find out how to get started with investing here.
#5 Not Earning Enough Causes Struggle Saving Money
76% of Americans are living paycheck-to-paycheck today and just one event could cause a financial panic. Even if an event that could cause a financial crisis do not occur, the accumulation of increasing bills can eventually cause a financial crisis.
If you’re not earning enough money, it might not be easy to pay your utilities, mortgage, or put food on the table. Not earning enough money to pay your bills is an enormous problem many Americans have today.
You actually just have two choices – to make more money or to spend less.
When you don’t make enough money to cover your expenses, you need to take far-reaching actions to earn more or drastically reduce your expenses.
With the costs of living always going up, the best option is for you to find out ways of earning more money. One of the best ways you can go about that is to learn how to diversify your income.
Diversifying your income will help you to create other means of income, thereby giving you more financial power and freedom.
#6 Trying to be like the Jones Leads to Struggle Saving Money
In the words of Robert Kiyosaki, “Too many people buy things they don’t need with money they don’t have to impress people they don’t know.”
“Keeping up with the Joneses” is a phrase that expresses the desire to possess as much and to appear to be as well off as others around us. Regrettably, many people have had to file for bankruptcy because of the desire to “keep up with the Joneses.”
Many Americans live above their means. A Bankrate survey, as reported by US News found that about one-third of people ages 30 to 49 had more credit card debt than savings
In an attempt to be like the Jones, many people burden themselves with unreal lifestyles and avoidable debts that might, one day, come back to haunt them.
The probability is that those neighbors you’re struggling to keep up with are also living above their means.
If you desire financial freedom and happiness, keeping up with the Joneses is a way to never get there.
Here’s what you can do to stop the negative and sometimes addictive behavior of keeping with the Joneses. Whenever you need to make a big purchase, take the time to examine and identify your motive. Are you buying to fill a genuine need, or you are buying to impress others?
If you are buying to create a false impression of success to impress others, walk away. Sweep those Joneses out of your mind and save that cash to spend on things that will give you true happiness.
#7 Impulse Buying Causes Struggle Saving Money
One of the major reasons most people struggle saving money is impulse buying. If you find that you repeatedly spend money without thinking much about what or why you’re buying, you may have an impulse buying tendency.
Impulse buying represents almost 40% of all the money spent on e-commerce sites, according to User Interface Engineering. What drives shoppers to make these impulse purchases? It isn’t price, but rather it’s tied to design elements of the site itself
It can be really hard to resist the urge to buy on impulse, especially when we are paying with credit cards.
Too much level of impulse buying can lead you to debt and unhappiness, so it’s in your best to identify the warning signs and avoid it like a plague. Knowing what triggers you off to buy on impulse can help you spend less money on impulse.
There are different ways to avoid impulse buying including following a mandatory waiting period, paying cash, shopping less often, etc.
Are there other ways you have successfully used to solve your struggle to save money? Please share them in the comments below.…
The Everest Poker International Cup (EPIC) is back for its fifth season, giving you the chance to win a piece of the $125,000 up for grabs. Do well in the EPIC tournaments, and you could be on your way to Alicante Spain to play in the Live Finale!
EPIC features online freerolls five times per day on the Everest hk prize download. Place in the top ten of one of these freerolls to advance to the weekly EPIC satellite on Sunday. You can also buy-in to Summit Point satellites that award seats to the weekly EPIC satellites. Or you can buy-in to the Weekly Epic Satellites directly for 250 Summit Points.
The Weekly Epic Satellites award 25 seats to the EPIC Direct Entries. There were two EPIC Direct Entries tournaments originally scheduled, however one already took place back on August 1st. The remaining EPIC Direct Entries event is scheduled for August 29th. It has a $25,000 prize pool, and those that finish in the top ten will receive a $2.5k prize package for the Live Finale in Alicante.
There are two alternate ways to gain entry to the EPIC Direct Entries tournament on August 29th. The first option is to download free poker with Everest for the first time and therefore gain entry to the EPIC Rookie Satellites that run daily. Every day 10 players advance to the EPIC Direct Entries tournament this way. Your other option is to buy-in directly for 25,000 Summit Points.
If you are lucky enough to win a $2.5k package for the EPIC Live Finale, you will receive almost everything you need for your trip. This includes $425 for travel expenses, hotel accommodations at the Hotel Spa Porta Maris worth $575, two entries to the EPIC Kick Off Party, and your seat for the Live Finale.
The EPIC Live Finale takes place at the Gran Casino de Alicante, and it’s one you won’t want to miss. A mere fifty people will receive entry to this exclusive tournament that has a €50,000 prize pool. The top 18 players will cash the event, which means there’s a pretty good chance you’ll walk away with profit if you get to play. First place will go home with €15,000.
We hear about invitation-only poker tournaments all the time, but it isn’t every day that the invites are handed out to amateurs only. You won’t be flying to Spain to battle the top pros in the world; you’ll be going there to play other recreational players that won their way there via freerolls! This is an amazing chance to feel like a VIP in Spain for a couple days, so get on board and qualify for the tournament on August 29th before the promotion is over.
Full Tilt Poker’s Chief Marketing Officer, Lothar Rentschler, has announced his intentions to leave the company. While his departure will not be an immediate matter, his resignation will go into effect by September 13 of this year. Rentschler has served as Full Tilt’s keluar sgp since February of 2009, and had previously worked with such large companies as Bacardi and MEC.
Here are some snippets of what he had to say on the matter, according to an email seen by QuadJacks:
“Given the current circumstances, I do believe it is a long overdue step towards the right direction… I do apologize for the inconvenience the current circumstances at [Full Tilt Poker] have caused for you personally as well as for your respective companies. Our hands in marketing were bound and at the end even every communication was stopped.”
But, as their former online patrons could attest, Full Tilt’s problems go far beyond their marketing structure. The company is currently facing a class action lawsuit, a licensing hearing, and a possible purchase from outside investors. The latest news in this department comes on the acquisition front.
Here’s the long and short of it, as reported by Electronic Gaming Review: In order for any company to be willing to lay down the necessary cash to buy Full Tilt, they will almost certainly demand a change in management. The former online poker giant is currently negotiating with several parties, hoping to beat their September 15 hearing date with the Alderney Gaming Council.
“Everyone has their eye on that date,” says Jeff Ifrah, a member of Full Tilt’s legal team. “Nobody wants to come to September 15th and not have a deal which is either finalized or close to finalization to the point that it can be shared with Alderney and result in the extension of that date.”
Unfortunately, the only game former Full Tilt users have been playing lately is a waiting one. There is still no word on the millions of dollars owed to players.
“I assume there’s going to be a transition period,” Ifrah continued, “and we hope that it’s not going to take that long to turn the lights back on and begin facilitating player withdrawals and obviously continue playing.”
Weeks ago, the Alderney Gambling Control Commission (AGCC) suspended Full Tilt Poker’s gambling license. The AGCC has just released a statement that Full Tilt Poker has paid its overdue licensing fees, which will allow the hearings on its suspended license to proceed without hindrance. One giant leap for Full Tilt Poker, one small step towards getting American players’ money back. Reports have listed the total fee at $250,000.
In the statement, the AGCC said that immediately following Black Friday and before suspending the license, it “began immediate discussions with FTP’s management in order to protect the interests of players.” These discussions with Full Tilt Poker management were ultimately fruitless, and it wasn’t until the U.S. Department of Justice seized Full Tilt domain names that the AGCC suspended the license.
The statement covers Full Tilt’s neglecting the licensing fees, until they were past overdue. During a hearing in late July, the AGCC brought up the issue, and demanded that it be dealt with before even considering lifting the suspension on Full Tilt’s gambling license. The two parties stalemated until today, when Full Tilt apparently caved in and put forward the fee.
The statement reads: “At the hearing the Commissioners of the AGCC, acting as a tribunal, decided to adjourn the hearing to a date no later than 15th September, as they felt that this was in the best interest of the players using FTP’s services. The recent payment of overdue license fees by FTP is also in players’ best interests since it allows commercial negotiations to take place that might result in a successful refinancing deal. Further details regarding the exact date and venue of the next hearing will be announced as soon as possible.”
This means that the hearing will continue to move forward and, quite likely, the eventual restoration of Full Tilt’s gambling license. With this in place, the company will be able to complete any takeover or financing deals and one day successfully resume business.