What Does ‘Backing a Team to Win’ Mean in Betting?

‘Backing a team to win’ is a common term used in betting. In the olden times, only this kind of betting used to take place. Traditionally, a bookmaker was involved in such type of a betting process. Actually, he/she was the one to carry out the whole transaction for you. It is here that these bookmakers tried their best to deceive the innocent people. Now is the time, when everything is done without any hassles over the Internet. There are plenty of online betting exchange sites that allow you to indulge in bet exchanging and change your destiny. Bookmakers are now out of the scene and that is a plus point for bettors.

In simple terms, backing can be defined as the act of making your selection and betting on it. When you back a team to win, you place your bet predicting that your chosen horse will win in the race. You can place bet on other sports as well. The main thing to be emphasized here is that you predict the outcome of the game as to who will be the winner and place bet on it. When you exchange bets, you have the liberty to demand a higher price. For doing this, all you need to do is simply click on the back button and fill the figure of your choice. Once you have entered the figure revealing your bet, it will then shift to the lay section. If your bet price matches with the laying price of other bettor, your bet will be placed. In other case, if there is nobody to lay your selection, then you will have to either lower down your bet price or take what has been offered. It all depends on how enthusiastic you are and how you perceive things.

Let us try to understand the above mentioned concept with the help of an example. Let us suppose that the best offer in the market for draw at France vs Italy is 2.80. At this point of time, you need to go through betting exchange rates. Let us consider that you succeed in finding an odd bet of 2.90. Now this kind of a bet can certainly be considered and you can think of backing or buying the bet. The procedure is almost similar to what was practiced earlier when bookmakers were involved.

In case it happens that you select an event, make selection, place bet and make a clear cut mention of your stake but are not satisfied with the final result, then you have the option of back order available with you. Let us consider for a while that you are happy with the available odds and your desire is to bet at odds 3.10, then you can place the order for backing at 3.10 by putting 100 pounds on stake. In this situation, you will have to wait for the time till you succeed in finding a punter who is ready to draw the match at 3.10 by laying 100 pounds. If someone is ready to match your bet deal then your bet can be placed. If you find a bettor who is ready to put 30 pounds on stake at 3.10, then for the left 70 pounds, you need to look for another bookmaker who can lay bet at 3.10. This is how backing is done.

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World Series of Poker (WSOP) Top 40 Moments

As the 40th World Series of Poker dawns upon us, we take time to look through forty of the tournaments defining moments.

40. The Curse of the 90 year-old man.

To the untrained eye, Victor Goulding is your regular 90 year-old guy. At the 2005 Main Event, he was actually given a ten-minute penalty for cursing at the table. British sweetheart Vicky Coren was sat next to the gentleman, although we can’t tell for sure if she was the cause of the senior citizen’s aberration.

39. Hellmuth Blow Ups

There’s the one where he calls the guy an idiot, or the time when he accuses a fellow player of being unable to spell ‘poker’, yet alone play it. With simply too many nuggets to choose from, WPT Magazine has opted to bunch them all in one collective group. Good work, Phil.

38. A Tricky Final Table

Last years’s WSOP Player of the Year Erick Lindgren final tabled three events but chose the toughest of them all to pick up his first bracelet. The players he had to dodge around to pick up the $5,000 Mixed Hold’em title included Justin Bonomo, Andrew Robl, Roland de Wolfe, David ‘Chino’ Rheem, Howard Lederer, David Williams, Pat Pezzin and Isaac Haxton. Easy.

37. Ante Depressants

In one of the more heated moments of WSOP history, Jeff Lisandro defending accusations made by Prahlad Friedman over not posting a $5,000 ante. Video cameras showed the Australian to be in the right, also capturing what became a decidedly heated ‘discussion’ between the two players.

36. Iranian Invades America

Mansour Matloubi becomes the first non-American Main Event winner in 1990 before final tabling again in 1993. He was eliminated in fourth place by eventual winner Jim Bechel, denying the poker world another two-time champion.

35. A Glimmer of Hope Against Gold

Coming to the final table of the 2006 World Series, many pinned their hopes on the remaining professional, Allen Cunningham. Contending with the blueberry eating steam train that was Jamie Gold, there was a glimmer of hope when Cunningham picked off a Gold bluff with just Ace-high. It wasn’t to be though, the Full Tilt pro finishing in 4th.

34. The Frankly Bizarre…

There can be no denying that the WSOP Main Event attracts all sorts. If it’s not Hevad Khan wielding his chair and dancing like a Red Bull fuelled Baloo or Joe Sebok turning up dressed as Batman’s sidekick, Robin (then a diaper-wearing bear, then Superman…), there’s always someone dressing up like a goofball. There’s also Phil Laak spending the day as an old man. The mind truly boggles.

33. Lederer Wins Bracelet…Eventually

We can’t figure out what took him so long, but Howard Lederer finally broke his WSOP bracelet voodoo when he won the $5,000 Limit Omaha event in 2000. The number of final tables he’d made before without winning the cheese? Twelve.

32. Las Vegas Pays Its Respects to Chip Reese

Poker lost one of its brightest lights in December 2007 when David ‘Chip’ Reese passed away. With every player queuing to pay homage to the man Doyle Brunson declared ‘the best player I’d ever played with’, the $50,000 H.O.R.S.E tournament was dedicated to the man who won the title in its inaugural year. The move was a class act; much like Chip himself.

31. Poker is So Rigged…

If you’ve ever wanted to throw your laptop into the pool after taking one of those bad beats, spare a thought for Harman and Hudson who had to endure a spanking from the fickle mistress called Fate:

Jennifer Harman vs. Corey Zeidman.

Harman’s raise with QQ is called by the Zeidman’s 9d-8d and one other. The chilly Ts-Jd-Qh flop saw Zeidman flop a straight and Harman top set. The diminutive lady pulled ahead on the Td, but the brutal one outer came when the dealer popped the 7d on the river. Ouch.

Oliver Hudson vs. Sammy Farha.

Stump up $10,000. Sit down, look down at pocket tens. Reraise the open from Sammy Farha, flop a full house. Slowplay, get your money in, realize you’ve been cold decked by A-T on the A-A-T flop, pick up your coat and leave. Thank you and goodnight.

30. 2005 – The Original ‘Year of the Pro’

Before all this hoo-ha about the ‘Year of the Pro’ last year, there was another year when the pro showed what they’re made of. 2005 saw bracelets for Allen Cunningham, Josh Arieh, Erik Seidel, TJ Cloutier, Barry Greenstein, Todd Brunson, Doyle Brunson, Johnny Chan, Phil Ivey, Mark Seif, Willie Tann…and Jennifer Tilly.

29. “Aussie, Aussie, Aussie!”

Joe Hachem: a thoroughly nice guy and a wonderful ambassador for poker, but strewth – does he have some noisy fans! The 2005 Main Event king had a cheering contingent more akin to a soccer game terrace, making the final table at the Rio a true carnival.

28. Cloutier The Bridesmaid Once More

TJ Cloutier is one of the most winningest poker players of all time, but one nut he’s been unable to crack is the $10,000 buy-in Main Event. He’s come second twice; first in 1985 (losing to Bill Smith) and then, more famously, against Chris ‘Jesus’ Ferguson in 2000, when Ferguson’s A-9 hit a miracle nine on the river to outdraw T.J.’s A-Q.

27. Annie Duke Wins 2004 Tournament of Champions

She might have lost to Joan Rivers in Celebrity Apprentice (you can stop booing now), but Annie Duke did have her moment in the limelight when she won the WSOP Tournament of Champions in 2004. Once again, she was at the center of some compelling television, including the moment she knocked out big brother Howard Lederer in third place. Cold hearted or what!?

26. Hollywood Hits Sin City

The stars turn out in earnest for the summer of mayhem in Las Vegas, with Oliver Hudson popping in very briefly (see no. 31), Jennifer Tilly picking up a bracelet, and the likes of Ben Affleck, Matt Damon and Tobey Maguire playing the game to a very competitive level. Anything which brings Shannon Elizabeth to the poker tables can’t be bad, right?

25. You Couldn’t Write About It…

Well, you can if you’re James McManus. Heading to the Series in 2000 to write a piece for a magazine, the journalist was soon caught in the trapping of Las Vegas and ended up blowing his advance on qualifying for the Main Event. He got in and ended up final tabling. The whole story has been immortalized in ‘Positively Fifth Street’ and is well worth an afternoon of anyone’s time.

24. Demidov Goes Transatlantic.

After booking his place in the November Nine, Ivan Demidov decided one Main Event final table that year was not enough. Off to London he went, seeking to continue his good form at the World Series of Poker Europe. He eventually finished in third behind fellow Muscovite Stanislav Alekhin and champion John Juanda. The press relations dream began and Demidov came one step closer in Las Vegas before falling to the hands of Peter Eastgate heads-up.

23. Fossilman Fights to Retain the Crown.

With field sizes as huge as they are in the modern game, many believe Johnny Chan’s back-to-back wins in ’87 and ’88 will never be repeated. The sceptics had to hold their breath for five days though as Greg Raymer made it to the final four tables in 2005, ultimately busting in 25th.

22. Hair Today, Gone Tomorrow

Robert Varkonyi’s 2002 victory was memorable not only for the unlikely victory nature of his $2m inheritance but also the bragging of Phil Hellmuth, which would eventually see him bald-headed. While commentating on the conclusion of the event, Phil Hellmuth claimed that should Varkonyi emerge victorious, he’d let the New Yorker shave his head. All thoughts of money disappeared and Varkonyi got the clippers out to leave The Poker Brat a slaphead.

21. The Tears of a Clown

Love him or hate him, there’s no denying that Mike Matusow is one of the most consistent Main Event players of the last 10 years. 2004 saw a fierce rivalry between ‘The Mouth’ and eventual winner Greg Raymer but it was the A-Q of Ed Foster which outdrew Matusow’s A-K to send the pro blubbing to the rail. Bad beats are part of the game, but you almost wish Mike could get lucky one time.

20. Internet Geeks Attack!

The 2006 World Series was the year which announced the arrival of the internet kids on the live scene, with Scott Clements, Brandon Cantu, William Chen and Eric Froehlich all taking the ‘fearsome online player’ moniker and converting it into ‘bracelet-winning pro’.

19. Barbara Enright – Doin’ It For The Ladies

While Dan Harrington was busy winning the Main Event in 1995, many dothed their cap to Barbara Enright who had become the first woman to reach the final table of The Big One. Helping to reinforce a well-known fact (women never, ever get their money in without the best of it), Enright’s run at the bracelet was halted when her pocket eights were outdrawn by 6-3s, eliminating the Hall of Famer in fifth. Men are such fish.

18. Galfond The Wizard

Another internet whizz-kid who has since become a recognized face away from his computer monitor is Phil Galfond. He picked up the first bracelet during the ’08 series at a fearsome $5,000 Pot-Limit Omaha w/ Rebuys final table that had railbirds clamouring. The veritable ‘who’s who’ included Phil Hellmuth, Daniel Negreanu, John Juanda, Kirill Gerasimov, Johnny Chan, David Benyamine as well as online players Brian ‘tsarrast’ Rast and Adam ‘houdini’ Hourani.

17. The Original Poker ‘Young Gun’

Some spotty-faced kid bowls into Las Vegas, glasses perched on the end of his nose, and ends up taking the biggest prize of them all from the backyard of the pros. No, we’re not talking about Phil Hellmuth but rather Bobby Baldwin, who beat Crandell Addington heads-up in a rather chilly set-over-set scenario. Bloody internet kids…

16. A Chip and a Chair

In the most infamous of poker comebacks, Jack Straus won the 1982 Main Event after inadvertently leaving a single $500 chip behind when moving all in. As he got up from the table he noticed the chip under a napkin. Tournament directors let him play on and the comeback saw the oft-heard ‘chip and a chair’ expression launched. Straus collected $520,000 for the win.

15. 2008 – The Year of the Pro (Part Two)

Nemad Medic, David Singer, Erick Lindgren, Mike Matusow, Vanessa Selbst, Daniel Negreanu, Max Pescatori, Kenny Tran, Barry Greenstein, Phil Galfond, John Phan, Rob Hollink, Dario Minieri, Layne Flack, David Benyamine, Scotty Nguyen, JC Tran, and Marty Smyth – all bracelet winners. Enough said.

14. First Ever World Series of Poker

Of course, none of this would have been possible if it wasn’t for the pioneering vision of Benny Binion. Inviting the six best players in the world to sit down and play at the Horseshoe was the birth of what has become the behemoth series that swarms around Vegas every summer. A little trivia for you; the first Series wasn’t decided by freezeout but by ballot, with Johnny Moss winning unanimously.

13. Goodbye to Binions

As the Series evolved, it became more and more apparent that the brainchild of Benny Binion would eventually outgrow its home. After 35 years of holding the event on home soil, July 2005 would the last time the Series would enter Binions, moving to the larger Rio just down the Strip.

12. Gold-en Year

2006 was a mind-blowing year for the Series; record-breaking prizepools, a Main Event champion who walked out with $12m (well, actually half of it) and over $156m handed out over the whole series. It seems only appropriate that the champ was called ‘Gold’, doesn’t it?

11. Doyle Does The Double

“Texas Dolly” may be the most recognisable poker player in the world but none of this would have happened unless Doyle had been the real deal. Brunson proved he was one of the all-time greats in 1976 and 1977 when he became the first player to successfully defend his World Series Main Event crown. As most of us know, the winning hand on both of the final hands was 10-2 offsuit, lending the hand to be named after Doyle himself.

10. “You Call It’s Gonna Be All Over, Baby”

Poker is not a card game with people, it is a people game with cards. So said Tom McEvoy, and while he’s not played a hand since 1994 while waiting for aces, the esteemed book author and WSOP Champion has a point.

One person who understood the psychology of the moment perfectly was beer-swilling Scotty Nguyen, who managed to goad a call from Kevin McBride in what has become an immortalised moment in poker history. As the amateur debated whether to call what seemed like a possible bluff, Scotty stood up, beer in hand, and uttered, “you call, it’s gonna be all over baby”. McBride fell for the bait, calling for the chop that never was. Scotty showed him the Jd-9c for the better full house and hence collected the 1998 title.

9. The November Nine Return

When Harrahs announced there would be a three-month hiatus before the final table of the Main Event regrouped to play out for the $9m first prize, there were furrowed brows in many quarters. It would be a bit like halting the Super Bowl final at half time for a week, argued some. As with any untried format, scepticism sprung forth.

By the time the final nine reconvened at the Rio, the atmosphere was electric. While the same cynics will argue the public relations efforts were saved by the final table appearance of Ivan Demidov at the WSOP Europe Main Event (see 29), the spectacle itself proved to be worth the wait. The hopes of the poker purists laid with Scot Montgomery and Chino Rheem, while the sentimental pined for a Kelly Kim comeback. It was Peter Eastgate who became king though, rounding off what had been an enthralling 2008 Main Event.

8. Harrington Goes Deep Two Years Running

While it’s not sound as impressive as winning two years in a row, there can be no underestimating Dan Harrington’s achievement in final tabling both the 2003 and 2004 Main Event. With fields of 839 and 2,576, ‘Action Dan’ finished third and fourth, collecting $2,150,000 – more than double the amount he netted for winning the whole thing in 1995. How times have changed.

7. Stu Ungar – Back to Back Champion.

They reckon he was the most naturally talent poker player of all time. Certainly without parallel in gin rummy, Ungar was literally forced to turn his hand to poker after the action dried up in his preferred game. The switch proved to be a wise one, and in 1980 the child-like Ungar ended up sitting opposite the Vegas legend that is Doyle Brunson heads-up for the lot – even more impressive when you consider he later claimed it was the first time he’d ever played Texas Hold’em.

While many might have been intimidated playing Brunson, Ungar’s self-belief was second to none. The final hand saw Doyle flop two pair with A-7 on an A-7-2 rainbow flop, and Ungar make a speculative call with his gutshot draw. The 3 on the turn gave Stuey the nuts, his 5-4 only needing to avoid an ace or seven by the time the money went in on fourth street. The river paired the deuce, leaving Ungar as the fresh-faced WSOP champion.

If Ungar’s win in 1980 had any suggestion of beginners luck about it, his repeat in 1981 left no one in doubt, defending his title after beating Perry Green heads-up. ‘The Kid’ had come to town and won – twice.

6. The Bracelet Battle

Some say that the measure of a great poker player is not necessarily the amount of money they’ve won, but the number of bracelets they have. Hellmuth, Brunson and Chan had led the way, with the triumvirate having nine apiece. In 2005 the race picked up pace, with Chan winning his tenth bracelet after beating Phil Laak heads-up in the $2,500 Pot Limit Hold’em bracelet. As if it were a firecracker to the begin the friendly rivalry, Chan’s short reign as the outright leader was negated when Doyle Brunson secured his tenth in the $5,000 Short-handed No Limit Hold’em event under a week later.

In case his hunger ever needed fuelling, Phil Hellmuth saw the two victories for his friends as a spur to hunt down championship gold with a new vigor. 2005 would prove fruitless for Hellmuth, but he didn’t have wait much longer before tieing for ten bracelets, winning the $1,000 No Limit Hold’em with rebuys. His eleventh came in the $1,500 No Limit Hold’em event, breaking all the records once again. Old habits die hard, seemingly.

5. Johnny Two Times

Brunson had been the first to win back-to-back, while Ungar tore up the history books with his feats in the early eighties. The most impressive of all the repeat champions though is Johnny Chan. The first of two victories came in 1987 when he outlasted a final table including Howard Lederer and Dan Harrington. It was the second final table that is best known, with this heads-up win against Erik Seidel later immortalised in ‘Rounders’. With the field sizes as big as they are in the modern game, Chan will quite possibly be the last man to ever defend the title successfully.

There are two ways to explain this hand; we can either talk about the cards, bets and action, or we could all just recount the quote made by Mike in ‘Rounders’.

“Johnny Chan flops the nut straight and has the discipline to wait him out. He knows Seidel’s gonna bluff at it. Johnny fucking Chan. Chan is trying to sucker him in by taking his time. Look at the control. Look at that fuck. He knows his man well enough to check it all the way and risk winning nothing with those cards. He owns him.”

It does help when you flop the nuts against top pair heads-up. Of course, it could have been a hat trick if it weren’t for a young man from Wisconsin who had all the self-belief of Ungar before him…

4. Hellmuth Becomes Youngest Ever Champ

From the moment the final table of the 1989 Main Event had been set, there was a sense that history would be made. Johnny Chan was seeking to become the first man to ever win three in a row, while a confident player by the name of Phil Hellmuth had the opportunity to surpass Stu Ungar’s record as the youngest ever Main Event winner. With the two outlasting a final table including Noel Furlong and Mr WPT himself, Lyle Berman, it came down to a Chan – Hellmuth finale that would see the record books rewritten. Chan had described Hellmuth’s play as aggressive, and when Hellmuth moved all in with pocket nines (yes, we know – very loose for Hellmuth), Chan made the call with As-7s. The nines held up and a new superstar was born. NASA also reported what they thought a new planet had been spotted in a neighbouring galaxy. It was later revealed to be Phil Hellmuth’s ego.

3. Moneymaker Wins

Chris Moneymaker’s win in 2003 literally reshaped poker. Heads-up against high-stakes gambler Sammy Farha, the accountant from Tennessee showed the world that anything is possible by becoming the first online satellite winner to win the Main Event. Having sat down one day to play a satellite on PokerStars, Chris bought into a $39 satellite and qualified for what would be his first live tournament. An unknown quantity, Moneymaker managed to knock out the likes of Johnny Chan and Phil Ivey on his way to collecting the $2.5m first prize.

The win opened the minds of the every day man on the street; when they saw an accountant had beat a pro, everyone thought they too could win $2.5m. The poker bug spread, magazines were printed and their journalists still entertain the idea of being World Champion. One of these days…

2. Chip Reese Wins Inaugural $50,000 H.O.R.S.E.

With so many players flooding the Main Event, many of the pros now consider the $50,000 H.O.R.S.E as the true test of the best all-round poker player. The event was introduced in 2006, and the final table certainly provided us with some of the games best – and most recognisable – players; Doyle Brunson, TJ Cloutier, Patrik Antonius and Phil Ivey to name just four.

One name that might not have been known to the rail was that of David ‘Chip’ Reese. Recognised by his peers as perhaps the best cash game player in the world, Reese had never sought the limelight associated with winning poker tournaments. When the chance to play the best in the world in the biggest buy-in event at the Series came up, the lure was too much for Reese.

While it only took two and a half hours to lose the first seven, the heads-up battle between Reese and Andy Bloch was epic. Seven hours of play between the pair saw the lead change hands about a million times (ok, a slight exaggeration), and the duel was a testament to both players. As one moved to take charge, the other changed gear at just the right time.

It was cruel that someone would lose, but it was Reese’s resolve to win the event that proved stronger. Having suffered several harsh beats, Bloch found himself down to a proverbial bowl of rice and called his remaining chips off with 9-8 against Reese’s A-Q. Typical of Bloch’s luck in the key moments, he didn’t improve. Reese had proved to the world that he was truly one of the greats. As if we didn’t know already.

1. The Comeback Kid

To win the Main Event back to back was a feat that deserves recognition. To come back sixteen years, having been through drug abuse, arrests and debt, was unworldly. That word can summarise Stu Ungar in so many ways; the greatest poker talent to ever take to the felt, the come back in 1997 reminded the world what drugs had – and would forever – deprive the poker world of.

The years between 1981 and 1997 had been a hellacious repetition of drug abuse, gambling and personal torment. Married to a childhood sweetheart, Stuey had seen the birth of daughter Stephanie and the adoption of Madeline’s son from a previous marriage, Richie. Shortly after his high school prom, Richie committed suicide – an event that would drive Ungar to cocaine and an irreparable void in his family life. In 1986, Stu and Madeline divorced and Ungar hit drugs and gambling with a vengeance. The next decade saw ‘The Kid’ become a shadow of his former self, and even when backers stepped in to get Stuey back on the tournament trail, his weakness with cocaine cruelly intervened on any resurgence.

By 1997, Ungar was in huge debt, but old friend and fellow pro Billy Baxter looked to back him one more time. The backing came just moments before tournament entries closed. Ungar, showing the signs of years of drug abuse, sat down once again. Having spent the previous day trying to raise funds, he was exhausted, falling asleep at the table. Lifelong friend Mike Sexton, who was playing at the table, gave Ungar encouragement. Baxter gave him something a little more direct, tongue-lashing Ungar midway through the day. The approach worked, and Ungar returned to the table with a renewed vigor. Coming back on the second day, Ungar was a new man, rested and on top of his game. The rest was inevitable. Taking a huge chip lead into the final table, bookmakers made Ungar the favorite against the rest of the field, a compliment as much as it is a rarity.

The Kid did what everyone expected. With a photo of his daughter Stephanie by his side, he systematically schooled the final table before sending the last man,

Ungar did not disappoint and won the Main Event for the third time. As if the poker gods had some ironic sense of humor, the final hand saw Stuey outdraw Strempz’s A-8 with A-4, a deuce on the river giving Ungar a straight. ‘The Kid’ was the greatest card player of all time, and too good to be lucky.

The win meant Ungar would take half of the $1m he’d just won, the other half going to Baxter. The interview saw Gabe Kaplan ask if he would do things differently from there on. “Well, I hope so Gabe. You know, I’ve neglected my kids, you know, I’ve done a lot of stupid things to myself,” replied the straight-talking Ungar. You hoped the win would be the kick-start of a new life so that poker could enjoy his talents for years to come.

Tragically, Stuey fell into old trappings, and in 1998 when his body succumbed to the results of the sustained drug use. How can you ever summarize Stu Ungar? The man himself did it best in the same interview. “There’s nobody that ever beat me playing cards. The only one that ever beat me was myself and my bad habits.”

How to Keep From Treating People With Disabilities Differently

Workshop Goals

To understand the history of American attitudes and legislation regarding people with disabilities;

To learn how to properly assist individuals with disabilities in a courteous and respectful manner;

To practice providing assistance to people with disabilities, both fellow employees and museum guests.

In order to gain the most out of the presentation, please:

  • Listen with an open mind;
  • Be respectful of each other;
  • Challenge your thinking;
  • Be willing to learn something new that you can use on the job!

Challenge Activity

Bean Bags

  • Place a bean bag on your head
  • Move to the music!
  • If your bean bag falls off your head, freeze until another player, without losing his/her beanbag, retrieves the fallen one and replaces it on the frozen person’s head.
  • If the rescuer loses his/her beanbag, then he/she is also frozen until another person appears to rescue them both.

What is the object of the game?

How do you “win”?

What is the advantage of picking up a classmate’s beanbag?

What is the Definition of a Disability?

The Americans with Disabilities Act (ADA), as amended by the ADA Amendments Act of 2008 (ADAAA), prohibits discrimination on the basis of disability in several key areas including: state and local government services, places of public accommodation, employment, telecommunications and transportation.

The individual with a disability is a person who (3 part definition):

  • Has a physical or mental impairment that substantially limits one or more major life activities;
  • Has a record of such an impairment, even if they do not currently have the impairment; or
  • Being regarded as having such an impairment.

What is considered a disability?

The ADA does not list conditions that are considered disabilities; however it does list those which are not included.

Not covered by the ADA are homosexuality, bisexuality, transvestism, transsexualism, compulsive gambling, kleptomania, pyromania, pedophilia, exhibitionism, voyeurism, gender identity disorders not resulting from physical impairments, other sexual behavior disorders.

The ADA does not cover individuals who are currently engaging in illegal drug use.

A short-term condition is generally is not a disability. The test is whether the impairment markedly limits major life activities when assessing the duration, scope, and impact of the impairment.

Small Group Activity

Divide into small to discuss your experiences and examples of instances you have assisted co-workers or museum guests with the following disabilities:

  • Physical
  • Sensory
  • Intellectual or Developmental
  • Emotional
  • Invisible

Remember that each person’s situation is unique!

Physical disabilities: a limitation on a person’s physical functioning, mobility, dexterity or stamina; a short list of examples:

  • Spinal cord injury
  • Amputation
  • Cerebral palsy
  • Multiple sclerosis
  • Spina bifida
  • Musculoskeletal injuries (eg back injury)
  • Arthritis
  • Muscular dystrophy

Sensory impairment: a limitation of one or more of a person’s senses; including:

  • Hearing Loss
  • Tinnitus
  • Limited vision/Blindness
  • Loss of Smell
  • Spatial awareness

A person could be born with the impairment or could it could develop throughout the lifetime.

Intellectual disabilities – significant limitations in both intellectual functioning and in adaptive behavior, which covers social and practical skills. Originates before age 18 years. Affects approximately 3% of the population.

  • Autism Spectrum Disorders
  • Down’s Syndrome
  • Fragile X Syndrome
  • Fetal Alcohol Spectrum Disorder (FASD)

Emotional

  • Mental illness has nothing to do with intelligence.
  • Mental illness is a condition that disrupts a person’s thinking, feeling, mood, and ability to relate to others.
  • Results in a diminished capacity for dealing with everyday life
  • Can include major depression, schizophrenia, bipolar disorder, obsessive compulsive disorder (OCD), panic disorder, and personality disorder.

The Invisibility of Disabilities

Be sensitive that disabilities come in a variety of types, and each person is an individual

The impact of a person’s disability may not be easily seen.

Person may be perceived as lazy, when in fact, the disability impacts his/her ability to learn, work, and function.

Teachers and peers may see only behavior problems or uncooperative behaviors, rather than accommodating the disability.

A Brief History of Legislation

1964 – Title 7 of the Civil Rights Act

1973 – Rehabilitation Act, Section 504

1990 – Americans with Disabilities Act – First comprehensive civil rights law for people with disabilities.

History, continued

2008 – ADA Amendments Act

Expanded definition of the term disability to include individuals with amputations, intellectual disabilities, Epilepsy, Multiple Sclerosis, HIV/AIDS, Diabetes, Muscular Dystrophy, and cancer;

Strikes a balance between employee and employer interests;

Overturned two key Supreme Court decisions (Sutton vs. United Airlines, Inc. and Toyota Motor Manufacturing, Kentucky, Inc. vs. Williams), where lower courts had found individual’s situation did not constitute a disability, therefore the question of discrimination had never been addressed.

American Attitudes – FDR

Franklin Delano Roosevelt

32nd President of the United States from 1933 to 1945.

Had suffered paralysis as a result of Polio.

Although the his use of a wheelchair was common knowledge, the wheelchair was not shown by the media.

Gather Your Thoughts

How do you feel about the cloaked FDR statue?

What do you think is more important: to respect President Roosevelt’s wishes OR to reflect modern views of people with disabilities?

How could this spectrum of opinion be reflected in the workplace?

As a manager, how do you work to bring understanding and acceptance among your staff, while following current ADAAA guidelines?

Let’s examine recent examples of people with disabilities who have achieved celebrity status!

Stevie Wonder

Born prematurely in 1950 in Michigan. Suffered retinopathy of prematurity (ROP), due to too much oxygen in the hospital’s incubator.

Began playing instruments at an early age and signed with Motown Records at age 11. Has had an amazing writing and recording career.

Celebrity spotlights can aid in bringing important issues into the spotlight.

Jim Abbott

Born in 1967, in Flint, Michigan, without a right hand

Baseball star for University of Michigan

Played in the 1988 Summer Olympics

Played Major League Baseball, and pitched a no-hitter in 1993 as a NY Yankee.

Amy Purdee

Born in 1979 in Las Vegas, Nevada

Contracted meningitis at age 19, resulting in double amputation below the knees and kidney transplant

Paralympic Athlete in Snowboarding – Bronze Medalist

Terminology Over Time

Crippled – an invalid and derogatory term that is no longer acceptable to describe people with disabilities;

Retarded – a medical term that can be used as a slur; no longer acceptable in everyday language:

Handicapped – something that hampers or hinders, such as in a race; no longer used in referring to people;

Normal people – avoid using this term when making a comparison, as this implies a person with a disability is not normal. Everyone is unique and has their own identity and abilities;

Person with a Disability – “people-first” language that focuses on the individual, not their condition.

Using People-First Language

American Psychological Association Style guide

  • Person’s name or pronoun first
  • Description of impairment or disability second
  • Descriptors should not modify or limit the person

Examples:

  • A boy with Down’s Syndrome, not “the Down’s Syndrome boy”;
  • Sydney has a hearing impairment, not “the deaf girl.”

Discussion: What Do You Do?

On the Job Situations You May Encounter

A guest arrives at an event with a cat in a stroller. She claims the cat is a service animal. Do you allow her entrance?

A group of 60 children is moving from the 1st floor exhibit to the 2nd floor through the only staircase in the wing. One child is on crutches. As the group’s tour guide, how do you handle the transition between floors?

What Do You Do?

Guidelines to Follow

  • If the guest claims the cat is with her as a service animal, the cat can be permitted to accompany her into the event. She does not need to produce any paperwork to justify the service animal.
  • Review the options with the student’s teacher/chaperone. If the child wishes to take the elevator, suggest a small group of students and an adult accompany her, so she does not feel alone or singled out.
  • Ask the guest if he would like to sit or hold onto in a chair inside the ride.

Employees with Disabilities: What is Reasonable Accommodation?

A reasonable accommodation is assistance or changes to a position or workplace that will enable an employee to do his or her job despite having a disability.

Under the Americans with Disabilities Act, employers are required to provide reasonable accommodations to qualified employees with disabilities, unless doing so would pose an undue hardship

Examples of Reasonable Accommodations

  1. Providing a chair for a cashier who uses crutches so he or she can sit when not assisting customers.
  2. Reserving a parking space close to the entrance for an employee who has difficulty walking because of loss of a limb.
  3. Providing instructions and information in writing for an employee with hearing loss.
  4. Permitting a staff member to bring a service animal to work.
  5. Allowing an employee with tinnitus to play background music to help block out the ringing in his ears.
  6. Allowing more frequent work breaks or providing back-up coverage when an employee with a disability needs to take a break.
  1. Providing specialized equipment for an employee who has lost a hand or finger, such as a large-key keyboard, a one-handed keyboard, a trackball, a touchpad, or speech recognition software.

  2. Flexibility in scheduling to allow an employee with Post Traumatic Stress Disorder to attend counseling sessions or offering a later start time to a staff member with a spinal cord injury who has a lengthy personal care routine.
  3. Decreasing distractions, providing information in writing, breaking down complex assignments into small steps for a person with a traumatic brain injury.
  4. Making sure equipment is within reach for an employee who uses a wheelchair.
  5. Adjusting the height of an office desk for a staff member who uses a wheelchair, and ensuring the space is not obstructed by wastebaskets or other items.

Unacceptable Practices

Examples of A Record or History of Disability

Examples:

  • An employer refuses to hire a qualified candidate due to a history of mental illness, even though the person has recovered sufficiently to perform all essential functions of the job.
  • A dentist refuses to treat a patient because he was diagnosed as having HIV, even though the diagnosis was proven to be incorrect.
  • A retail outlet fires a woman who is pregnant, because they assume she will not be able to work during the busy holiday season.

Unacceptable Practices

Regarded as Having an Impairment

Examples:

  • An employee has controlled high blood pressure, which is not substantially limiting. However, his employer fears that the employee will suffer a heart attack and reassigns the employee to a less strenuous job.
  • A person with a severe burn or scar does not actually have a disability. He may be regarded as having a disability when he faces discrimination based on people’s attitudes toward him.
  • An overweight candidate for a bus driver position is not hired because the employer assumes (without conducting tests) that she will not be able to move fast enough in case of an emergency.

Courtesy

Gum chewing – Do not chew gum when speaking to people with hearing loss. It makes you more difficult to understand

Stand in front – When speaking to people with hearing loss, stand directly in front, so they can see your lips

Paper and pencil – Have a paper and pencil ready, in case communicating through written word may be more effective than spoken word

Sit down – when speaking to a person in a wheelchair, take a seat! Looking upward may hurt their neck, and it is common courtesy to be at eye level.

Ask if the person wants help before acting – Do not assume that someone needs help. Have the respect and courtesy to ask how you may help, and then follow directions

Be patient – Do not roll your eyes, cross your arms, or rush a person who needs extra time.

Use people-first language – always refer to the person first and do not use their situation as a descriptor.

End of Session Quiz

You are at the Information Desk and a guest in a wheelchair has a question. What is the most courteous way to approach the interaction?

An employee you are managing has been diagnosed with multiple sclerosis. She begins to walk with a cane, and is able to perform her job functions as school group facilitator in the laboratory. Discuss what types of accommodations can be made for her.

A child who uses crutches wants to watch the Dive Show at the Kelp Tank. All the seats are filled and many patrons have filled the open viewing area. How do you accommodate the child, so he can see the show?

List 3 new pieces of information that you learned, which you can use on the job.

1- Information Desk

Invite the guest to the side of the counter that is wheelchair accessible.

Sit at the chair, so you are eye-level.

Answer his questions respectfully.

Ask if the guest needs any assistance.

Ask if he is familiar with the location of the elevator.

2- Employee Accommodations

Review the employee’s job duties and discuss if any accommodations need to be made at this time, such as reassignment, additional time for tasks, use of a chair while working.

Make a plan to review her situation as needed, to see if any accommodations or a reassignment needs to be made.

For example, an employee who lead the student experiments in the laboratory could be reassigned to the Information Desk to answer the telephone with a headset.

3- Viewing the Show

  • Given that the situation involves a child, consult with the student’s parents or chaperone.
  • Ask if the child would like to sit by the tank or in the bleachers.
  • Show the family where the seating area for people with disabilities is located.
  • If someone is sitting in that area, respectfully work with the guest to find a spot for the child. Posted signs indicate that the are is reserved for people with special needs.
  • If there is no wiggle room, ask if the child would like a chair to sit, or ask a guest if they would mind moving over to accommodate the child.
  • Remember that you are responsible for the guests during the dive show. Feel empowered to make the situation pleasant for the guests, in a courteous manner. Call your supervisor if you need additional assistance.

Where I Play Blackjack in Las Vegas, NV and Why

Blackjack routinely offers the lowest house advantage over players as compared to all other casino games off the top. Players can enhance that inherent gambling advantage further by applying very accurate basic strategy play and insistence on playing only those games that offer player-favorable rules. There’s a plethora of variation between game rule-sets and table conditions and these directly affect the mathematical player expected value (EV) which ultimately translates to enhanced winnings / minimized losses over time. Proper game selection can easily reduce house advantage to.5% or less for the conscientious player who employs accurate basic strategy decision plays for a specific game and set of rules. Blackjack also provides one of the best venues to accrue comps for gamblers interested in playing the comp game; wise use of certain comp accrual tactics can increase real dollar value expectation and provide a means to keep losses to a minimum when including the values of potential awarded comps.

It’s impossible to overemphasize the importance of learning basic strategy for those interested in enhancing the value of their blackjack experiences. It’s the foundation of all efforts to beat the game for both novice and professional players. Basic strategy play is based on literally billions of computer simulated hands to arrive at proper hand play decisions regarding standing, hitting, doubling, and /or splitting pairs against a given dealer’s upcard. Those players who might be interested in becoming serious students or professional blackjack players will learn that further advancement in learning advantage play methods (eg card counting) is pointless without a solidly grasped knowledge of basic strategy. Memorization of specific basic strategy play is not difficult, especially for those who are interested in increasing their expectation at the blackjack table. As a new player in the process of learning these systems, basic strategy charts (specific for specific games and rule-sets) are available in countless books and on the internet; these are also available at most casino gift shops and or player’s clubs in Vegas. Using these at a live Vegas blackjack table is perfectly acceptable and common and is encouraged for novice players. With minimal time and effort at using and memorizing these basic strategy hand decision play charts, proper play will become second nature. Remember that there are some variations in given basic strategy play depending on the number of decks in play and the specific rules in force at a given table. There’s also a “generic” basic strategy chart that is utilized to cover all games and rules; this version is not as accurate as specific charts for specific games and conditions but is far superior to those proverbial “gut” play decisions. Keep in mind that use of perfect basic strategy play will not put players in a position to have an advantage over the house; the casinos will still have an edge over players in virtually all games except a few 3:2 payoff single deck games (which are beyond scarce in Vegas these days).

What are the blackjack rule sets / table conditions that enhance player expectation? I routinely play 6-deck (6D) shoe games that don’t utilize continuous shuffle machines (CSM’s) with $5 – $25 dollar minimum bet conditions. Keep in mind that games with higher minimums ( $25 and up) MIGHT have comparatively better rule sets for players than lower minimum tables; players should scope the better games out at all denomination minimums. The minimum rule sets / conditions (ultimately rendering a house edge between.25 and.42% off the top in 6D games and involving accurate basic strategy play) that I seek out in Vegas include..

Base games = 6D shoe games, $5 – $25 minimums, 1 – 12 bet spread variation (x minimums), 75% penetration, no CSM’s; 2D pitch games, $5 – $25 minimums, 1 – 6 bet spread, 60 – 65 % penetration.

Rules Lowering House Advantage / Increasing Player Expectation (EV) :

– Insist on 3 : 2 payoffs on naturals (blackjacks); adds + 2.5% EV; players cripple their blackjack expectation off the bat if they play tables with either 6 : 5 (there are tons of these in Vegas now, particularly 1D games) or even money payouts on naturals. One of the single biggest errors unknowing, average players make is electing to play these games if they’re concerned about value.

– DAS ( doubling bets allowed after pair splits ); adds + 0.14% to player expectation. There are plenty of games offering this rule in Las Vegas.

– S17 (dealer stands on all soft seventeen hands, eg A, 6 etc.); adds + 0.20% EV vs H17 games (dealer hits all soft seventeens); there are a few Vegas casinos who offer this rule, though most games are H17.

– LS (late surrender offered; allows player to surrender hand and half their original bet with certain 2-card totals against specific dealer upcards AFTER dealer checks for blackjack ); adds + 0.075 % EV. There are a very limited number of games in Vegas that offer this rule, but they’re locatable. Often this particular rule is not posted at tables so ask when you approach for play.

I don’t play 6D blackjack games in Las Vegas unless it offers all the above rules unless there is a specific set of other rules or promotions that drives the house edge down. Obviously, the above games are few and far between and you may consider this an anal approach…I just adhere to this axiom ( you don’t have to ). I agree that blackjack should be an enjoyable, “fun” experience; it’s simply neither of those for me if the house advantage off the top is insurmountable over time. I have found the above 6D rules / games with some consistency at the following Vegas casinos ( keep in mind that you may have to play $15 – $25 dollar minimums to collectively locate the above rules at a given table; additionally some of the properties may require these minimum bet levels for players to even get rated for table game comps, which can potentially add significant real dollar value to player expectation / EV) :

– MANDALAY BAY (Strip)

– MGM GRAND (Strip)

– MONTE CARLO (Strip)

– TREASURE ISLAND (Strip)

– TROPICANA (Strip)

– RED ROCK (Off-strip)

Notice there are no Harrah’s properties on the above list. Be aware that there are changes to blackjack game rules with some regularity which requires players to seek out current info just prior to a trip and then scout and confirm derived information upon arrival. Excellent sources (modest subscription fee required) for blackjack game conditions in Vegas (and elsewhere) is Current Blackjack News (CBJN) or Trackjack. Be advised that the above 6D games are typically easier to find and play during the day on weekdays than on more crowded weekends. When conditions are more crowded for any reason, the better games are more difficult to find and obviously more difficult to find a seat at. Further, the casinos traditionally increase table minimum bet levels as demand increases and on evening shifts.

There are other additive rules ( in addition to and including S17,DAS, and LS rules) that some casinos offer that reduces their advantage and increases EV;

-RSA (resplitting of aces after initial split ); adds + 0.06 % EV; variations are RSA3 (resplit only once to make three hands) and/or RSA4 (split twice to make 4 hands total). The designation UR refers to unlimited resplits.

-D3 (player allowed to double down on first three cards ); adds + 0.23% EV.

Casinos that have recently offered S17, DAS, RSA, and LS (all at $25 dollar minimums or less) and house edge of.26% include;

– MANDALAY BAY (Strip)

– MGM GRAND (Strip)

– MIRAGE (Strip)

– MONTE CARLO (Strip)

– RED ROCK (Off-strip)

– TREASURE ISLAND (Strip)

– WYNN (Strip)

Two “sister” off-strip casinos that offer H17, DAS, D3, LS, RSA3, and UR with initial house edges of.25% are;

-BIGHORN*

-LONGHORN*

* Note that the current rules at the above two locales involve H17 (dealer hits soft seventeen); the cumulative advantage gained by including RSA3, D3, and UR more than offsets the H17 disadvantage (vs S17) to arrive at a playable house edge with accurate basic strategy play. It should be noted that the above two off – strip casinos offer exceedingly minimal glitz and glamour (like..zero) but they do offer decent blackjack rules and very low minimums. I like them both even though I realize Bruce Willis or Britney Spears won’t be there.

Other rules that can enhance player expectation but are seldom (if ever) found in Vegas casinos are;

– DSA (doubling after ace splits); adds + 0.10% EV

– 21S (suited blackjack pays 2:1 ); adds + 0.56% EV

– BJ2:1 (all naturals pay 2:1 ); adds + 2.28% EV

– 6 (player’s unbusted 6-card hand; automatic winner even against dealer blackjack); adds + 0.10%

– ES (early surrender allowed; allows player to surrender hand and half of original bet BEFORE dealer checks for their potential blackjack ); adds +0.63% EV; this rule hasn’t been offered for several years, beyond rare.

As mentioned earlier, more decks in play results in increased house advantage over players. Single – deck (1D) games in Vegas with reasonable rules and 3 : 2 payoffs are extremely rare these days and essentially nonexistent on the strip. In times past, a player could play even or have a slight edge over the house in 1D games with 3:2 payoffs, reasonable rules, and application of basic strategy. In Las Vegas presently, most 1D games offer 6 :5 payouts on naturals; you might as well ride up the Eiffel Tower at the Paris Hotel and toss cash off the observation deck. My most current info indicates there are 4 downtown (on Fremont street) casinos that offer single deck games with 3 : 2 payoffs;

– EL CORTEZ

– BINION’S

– FOUR QUEENS

– WESTERN

The 1D games at the above downtown locations are all H17 but due to use of single decks ( though they usually only deal out about a half deck before reshuffling) the house edge for all these games is 0.18% and thus playable for a basic strategy player. As a sidenote, if any players employ any type of advantage play techniques (eg card counting, etc.) the pit and eye-in-the-sky surveillance crews may ask them to leave at these games (or any game, anywhere if they’re not adept at camouflage / disguising play). Just be aware. The El Cortez has been referred to as The Sweaty Spaniard for years and there’s a reason why.

There are some playable two-deck (2D) games in Vegas; simply playing a 2D game vs 6D adds.25% EV off the top. Theoretically a player can sacrifice some other rules as a tradeoff to arrive at a reasonable / playable house advantage range. A 2D game with base rules of S17 and DAS only provides a house edge of.19%; two strip locales where these games have been offered recently are;

-MIRAGE*

-LUXOR*

*both have $25 minimums

Recently the following off-strip casinos offer 2D, H17,DAS, and RSA games for $2 -$10 minimums and a house edge of.35%;

– ARIZONA CHARLIE’S BOULDER

– STATION CASINOS (BOULDER,TEXAS, SANTA FE, PALACE, AND SUNSET STATIONS)

– GREEN VALLEY RANCH

– RED ROCK

– SILVER NUGGET

– WILD, WILD WEST

Player expectation from blackjack play can be enhanced by taking advantage of short-term promotional games / buy-in incentives, blackjack matchplay or free ace coupon plays, and by employing comp accrual tactics. Info regarding blackjack promotions may be found in casino newsletters / mailers for players club members or on Las Vegas gambling info websites. Some occasional short-term blackjack promotions include 2:1 payoffs for naturals, payoffs on tied blackjacks (vs dealers; normally a push), increased payoffs for suited blackjacks (usually 2 :1 or 3 : 1 payoffs) or specific card combinations for player 21’s (eg 7-7-7 or 6-7-8). Blackjack matchplay coupons (usually 5,10,or 25$ denominations) are historically worthwhile to low-midlevel gamblers and usually valued at approximately 50% of face value for basic strategy players. Free ace coupons are also a valuable coupon to collect and use; player’s club ‘funbooks’ are available at many casinos and can reduce expenses (and thus add to EV ) if players put these to use. These coupon and funbook sources can significantly enhance EV particularly for low- moderate level gamblers. Contact me for some info regarding coupon / funbook sources if interested. Additionally, accruing comps at blackjack can at times mean the difference between winning vs losing sessions or trips depending on bankroll and wager levels. Signing up for player’s clubs and casino e-mail website subscriptions is a must for being able to obtain awarded comps. Specific tactics to employ at the tables include enhanced initial buy-ins (buying in for more than you intend to lose or gamble with), increased wagers when pit crews or floor people are watching / recording your gambling levels during actual play, and any number of methods that slow down the speed of the game and thus the number of hands / wagers per hour. Additionally, it’s suggested that players develop a relationship with a specific table host at specific casinos where they choose to play; often it’s good to select a host of the opposite gender in my opinion. At some casinos (usually not at Harrah’s properties), floor reps and pit bosses can award meal comps for table play. Developing a friendly, “ask-for” relationship with blackjack pit personnel and previously mentioned hosts can go a long way toward enhancing real-dollar value of player expectation when playing. Some of these casino staff members are people, too.

Any discussion of blackjack should at least address bankroll management elements. Play with money that won’t affect your daily life if you lose it. Staying too long at any table to recoup losses is both common and foolhardy. I seldom stay at a given table beyond 1 hour for several reasons; this time is extended only when experiencing a particularly good winning session or other important factors. There is a plethora of info regarding what’s known as Risk of Ruin (ROR) charts which outline betting ramps and bet levels with a defined starting bankroll. Some of these aspects are quite detailed and are usually restricted to use by serious, professional players. If players are interested in becoming a serious student of the game, there’s a massive amount of pertinent info on the web and within the pages of many books. Avail yourself of this info and over time you will be able to discern the credible info sources (there’s some misleading and inaccurate info out there, of course). For those interested, contact me and I’ll provide a decent info starter list.

The present economic downturn Las Vegas is enduring has resulted in a general trend of lower table minimums to a noticeable degree in several casinos. We could speculate that, in order to attract more patronage, the gaming entities might offer more short-term promotional games with player – favorable rule sets in addition to these observed lower table minimums. We’ll see.

Cheers..

Charles Higgins

Crowdshopping Should Have Been Invented A Long Time Ago

Crowdshopping is an innovative tool to use for real estate. If you take a look at some key indicators, you will see that it should have been invented a long time ago. First, let’s define crowdshopping.

It’s a crowd of buyers who are interested in the same product and who are willing to compete for that product. Although this definition could be applied to people who like to participate in auctions, it is appropriately applied to people who want a product but want to purchase it at the lowest possible price.

Auctions usually provide a minimal discount. Crowdshopping provides a monstrous discount to those smart enough to take advantage of it.

Key Indicator #1: The Lottery

According to the U.S. Census Bureau, in 2008, 82 billion dollars was spent on lottery tickets and other amusement activities. 82 billion dollars. That’s a lot of money. People like trying to win something big for a little price.

Key Indicator #2: The Stock Market

Day traders and stock investors are risk-takers. In general, they are people who like to multiply their finances by using information that indicates whether their chance of success is high or low.

Key Indicator #3: Game Shows

Ah yes, game shows. You can poo poo game shows if you want but they have been around forever. Look at Wheel of Fortune. This show has been on for 30 years and it still gets at least 10,000,000 viewers to watch other people win money.

Key Indicator #4: Credit Card Debt

The total amount of credit card debt in America is reported to be 793 billion dollars. Second to the largest consumer debt pile of student loans, which is 956 billion dollars. Auto loans equal to 768 billion dollars. If we look at home loans, they would easily blow these three away.

Conclusion? People want what they want. They are willing to pay upwards of 8% or even 22% in interest payments to get what they want when they want it.

Key Indicator #5: The Real Estate Bubble

People want to own their own home. We already know that it’s the “American Dream” but it’s really about stability. They want to know that they have a safe place to come home to and they want to know that it can never be taken away from them.

Key Indicator #6: Coupons

People want to save money. They want a deal. They want a sale. Even if manufacturers artificially drove up the MSRP so they could place an item on “sale” at their desired price, consumers wouldn’t care. As long as there was an observable way to see that they “saved” money.

Key Indicator #7: Gambling

Games of chance: they have been around forever. Although there is a downward trend in gambling right now, it won’t last for long if the economy improves. Some people will always want to get something for nothing. They will always want to feel like they beat the system and made money that they never would have made going the traditional route.

How is crowdshopping going to make a difference?

Crowdshopping uses the conventional system of test taking to provide consumers with another way to consume. To crowdshop well, you have to be knowledgeable about the subject and able to perform under tight deadlines. It almost sounds like a job description.

It’s comparable to the SAT, LSAT, GRE, MCAT and others because you gather a group of people together and give them the same test, and then compare their scores against each other.

We have been taking tests since we were six years old. Test taking is a skill that shouldn’t end after we graduate from school.

How can taking a test change the consumer market? It can change it by providing another option for consumers rather than the traditional methods.

If you gather people together who have the same needs, like the need for shelter, and place them into a situation where the cost of the product far outweighs the cost of the opportunity, you now have leveled the playing field. Now anyone can achieve the “American Dream” through the use of their intellect, instead of solely by the use of their money.

The Internet

There are two billion people on the Internet. The Internet is the only place that can bring millions of consumers together at the same time. There is no better use of Internet technology than bringing people together to contribute to the needs of all of them.

What’s the risk in crowdshopping? The risk is the possibility of losing money. You may compete 1,000 times and never have anything to show for it. In that scenario, you may not have gained the object you desired, but you did make it possible for 1,000 people to get their needs met.

The fee you pay to crowdshop becomes a donation.

Charity at its Best

For thousands of years, humans have donated their money to help the needy. Charity is a beautiful thing. The only setback is the few people who run the charities decide where all of the funds go.

With crowdshopping, the provider may be accepting small fees from a large group of people, but it’s letting those same people, through competition, determine who walks away with the funds. It’s not a perfect solution, but it will help to solve real problems.

The Key to Crowdshopping

It has to have realistic odds. It cannot be a sweepstakes or a lottery. It has to be more like a tournament. Each consumer has to know that they have a real chance of obtaining the product.

Spider Solitaire Addiction

Addiction: Merriam-Webster defines it as “Compulsive need for and use of a habit-forming substance (as heroin, nicotine, or alcohol) characterized by tolerance and by well-defined physiological symptoms upon withdrawal; broadly: persistent compulsive use of a substance known by the user to be harmful”.

That’s right. People are addicted to cigarettes, drugs and alcohol. That’s why there are so many ways offered to wean yourself from these additions. People are addicted to other things too such as food (chocolate ranks up high in food addictions), and gambling. There are all these programs available to help people get weaned from these addictions — alcoholics anonymous, overeaters anonymous, gamblers anonymous…

A newer addiction is the addiction to the computer. People can spend hours surfing the web, or playing the latest computer games.

But the biggest addiction seems to be to Spider Solitaire. It’s so readily available. It comes for free with every Window’s installation. It takes just a few minutes to learn. You start with just one suite. Quickly move up to two suites. And then begins the challenge… Four Suites! That’s when the addiction comes. The game allows you to backtrack as many moves as you want — even all the way to the beginning of the game. You can spend hours just retrying the same game but when that game ends, whether win or lose, you’ll quickly press “new game” and start all over.

I have done a little research onto how the game has affected people’s lives. Answers I have received:

  • I stayed up all night playing
  • I didn’t take the dog for his walk (what a mess!)ï’· Supper burned (lucky for the smoke alarm)
  • Forgot to pick up my kids from school
  • Spent a full day at work just playing
  • Missed a full day of work
  • _______________________ Write in your own — no one’s immune.

The Solution

Everybody’s gone through it. There are no simple solutions. No special gum. No patches. No clinics. No support groups (who could pull themselves away from Spider to get to a group meeting). There’s only one solution. Delete the game from your computer. The one at work too. Do a good search to make sure you’ve deleted any instance of it. Then just pick up a new computer addiction (try Facebook). No other computer addiction is as bad as Spider Solitaire.

Pick 4 Lottery Strategy System Picks the Right Pick 4 Strategies to Win

A good Pick 4 Lottery System has more than just one Strategy; it has a number of Pick 4 Strategies to offer the lottery players multiple ways to find the next winning number.

These multiple Pick 4 Strategies open the door for the players to take advantage of various number trends that can take place at any given time during this lottery game.

In March 2010 there seems to be an overabundance of Pick 4 Triples and Double-Doubles based on the low percentage for these types of Pick 4 numbers to be drawn over a period of time. These two groups of numbers represent just 6.3% of all 10,000 Pick 4 numbers. Their collective combinations total 135 of 715 combinations for all Pick 4 numbers. There were approximately 125 of these types of numbers drawn in the U.S. and Canadian Pick 4 Lotteries in March 2010.

Another Pick 4 lottery anomaly is the current amount — over twenty — of traveling numbers that began in March 2010 and is carrying over into April 2010. A traveling number is the same set of four digits that make up a winning Pick 4 number that is drawn two or more times over a short period of time in more than one State. The perfect definition of a traveling number includes that the same number being redrawn in the exact order. But the traveling Pick 4 Box form is quite acceptable for the purposes of winning free money.

Triples and double-doubles are the highest paying Pick 4 Box numbers. Triple numbers, such as 1112, pay $1200 for one single $1 investment. The dollar investment on the double-double number, such as 1122, returns $800.

The key to being a successful winning Pick 4 player is to have a multiple Lottery Strategy System. It provides the right Pick 4 Strategies which enable Pick 4 players to have strategies to create and play these ongoing number trends as they occur.

Combining strategies for playing triples and double-doubles with the traveling number strategy gives the player the right Pick 4 strategies to win some very nice payoffs. A perfect example of the double-double traveling number occurred with the combination draws of 8877 first in the Delaware Pick 4 Midday draw, March 22, 2010, and the April 4, 2010, Evening draw in the Kentucky Pick 4 Lottery. Players of this lottery game using both these strategies have put the 8877 on the watch list. The New York Win 4 lead the way with the evening drawing on March 30, 2010, of 0660 and followed up with this same number being drawn in the evening draw in the West Virginia Pick 4 Lottery.

The Indiana Hoosier Lottery Daily 4 began this imperfect trip, but nevertheless a profitable one for the New York Win 4 players when the third box form of 5757 was drawn in the midday draw on March 31, 2010. The Indiana Daily 4 first drew 7755 on March 18, 2010, midday draw. Traveling east to the Ohio Pick 4 Lottery, the OH Pick 4 drew 7557 in the evening draw on March 22, 2010.

The Big Apple State continued to provide big winning slices of cash for their Big Apple Win 4 players when it drew the third box form of the triple 7111 on the evening of April 4, 2010.

Previously, again starting out in the Indiana Daily 4 on the evening of March 16, 2010, the first triple box form was drawn as 1171. Then, traveling southeast to the Georgia Cash 4 was 1711 which was drawn in the evening draw on March 30, 2010. Like the New Year’s Eve Times Square countdown it gave New Yorkers one more thing to celebrate, another pocketful of NY Win 4 Lottery Free Money.

In a rare return home Pick 4 traveling number, trend players keeping an eye open for these two strategies to converge once again, Oregonians in the Oregon Pick 4 Lottery were glad to welcome back the 0400 on March 18, 2010, in the 7pm drawing. It was first drawn here in the 1pm Pick 4 drawing on March 8, 2010. It then traveled to Florida and was drawn in the Florida Play 4 as 4000 on the evening of March 16, 2010 before boarding the flight home to the Oregon Pick 4.

To be a Pick 4 Winner you need a Pick 4 Lottery Strategy System with multiple Pick 4 strategies. It is the only way that Pick 4 players around the country and around the world have a real chance to win some big money. Systems that offer just one strategy to play or recommended to play just the single Pick 4 type numbers do not give you the same chance to win. Often times the reality is that the one strategy or the recommended “Pick 4 Single Number Pick 4 Systems” create “automatic losers” for both the numbers and the players.

All Pick 4 players need to keep their eyes open for these traveling numbers in all forms, 0660, 7755, 1711, and 0400, that could travel to the remaining Pick 4 U.S. Lotteries, the Caribbean Pick 4 Lottery, Ontario Pick 4 and La Quotidienne 4, the two Canadian Lottery Pick 4 Games. One or more of the other strategies in the Pick 4 System may just predict the arrival of one of these traveling numbers to your local favorite Daily 4 Lottery game.

Insurable and Non-Insurable Risks

When we talk of insurance, we are referring to risks in all forms. Hence, having for an insurance policy is just a way of sharing our risks with other people with similar risks.

However, while some risks can be insured (i.e. insurable risks), some cannot be insured according to their nature (i.e. non-insurable risks).

Insurable Risks

Insurable risks are the type of risks in which the insurer makes provision for or insures against because it is possible to collect, calculate and estimate the likely future losses. Insurable risks have previous statistics which are used as a basis for estimating the premium. It holds out the prospect of loss but not gain. The risks can be forecast and measured e.g. motor insurance, marine insurance, life insurance etc.

This type of risk is the one in which the chance of occurrence can be deduced, from the available information on the frequency of similar past occurrence. Examples of what an insurable risk is as explained:

Example1: The probability (or chance) that a certain vehicle will be involved in an accident in year 2011 (out of the total vehicle insured that year 2011) can be determined from the number of vehicles that were involved in accidents in each of some previous years (out of the total vehicle insured those years).

Example2: The probability (or chance) that a man (or woman) of a certain age will die in the ensuring year can be estimated by the fraction of people of that age that died in each of some previous years.

Non-insurable Risks

Non-insurable risks are type of risks which the insurer is not ready to insure against simply because the likely future losses cannot be estimated and calculated. It holds the prospect of gain as well as loss. The risk cannot be forecast and measured.

Example1: The chance that the demand for a commodity will fall next year due to a change in consumers’ taste will be difficult to estimate as previous statistics needed for it may not be available.

Example 2: The chance that a present production technique will become obsolete or out-of-date by next year as a result of technological advancement.

Other examples of non-insurable risks are:

1. Acts of God: All risks involving natural disasters referred to as acts of God such as

a. Earthquake

b. War

c. Flood

It should be noted that any building, property or life insured but lost during an occurrence of any act of God (listed above) cannot be compensated by an insurer. Also, this non-insurability is being extended to those in connection with radioactive contamination.

2. Gambling: You cannot insure your chances of losing a gambling game.

3. Loss of profit through competition: You cannot insure your chances of winning or losing in a competition.

4. Launching of new product: A manufacturer launching a new product cannot insure the chances of acceptability of the new product since it has not been market-tested.

5. Loss incurred as a result of bad/inefficient management: The ability to successfully manage an organization depends on many factors and the profit/loss depends on the judicious utilization of these factors, one of which is efficient management capability. The expected loss in an organization as a result of inefficiency cannot be insured.

6. Poor location of a business: A person situating a business in a poor location must know that the probability of its success is slim. Insuring such business is a sure way of duping an insurer.

7. Loss of profit as a result of fall in demand: The demand for any product varies with time and other factors. An insurer will never insure based on expected loss due to decrease in demand.

8. Speculation: This is the engagement in a venture offering the chance of considerable gain but the possibility of loss. A typical example is the action or practice of investing in stocks, property, etc., in the hope of profit from a rise or fall in market value but with the possibility of a loss. This cannot be insured because it is considered as a non-insurable risk.

9. Opening of a new shop/office: The opening of a new shop is considered a non-insurable risk. You don’t know what to expect in the operation of the new shop; it is illogical for an insurer to accept in insuring a new shop for you.

10. Change in fashion: Fashion is a trend which cannot be predicted. Any expected change in fashion cannot be insured. A fashion house cannot be insured because the components of the fashion house may become outdated at any point in time.

11. Motoring offenses: You cannot obtain an insurance policy against expected fines for offenses committed while on wheels.

However, it should be noted that there is no clear distinction between insurable and non-insurable risks. Theoretically, an insurance company should be ready to insure anything if a sufficiently high premium would be paid. Nevertheless, the distinction is useful for practical purposes.

Disadvantages of Watching Pornography

In the olden days, the word ‘addiction’ was largely confined to either dependence on substance (addiction to drugs) or behavioral addiction (gambling). Addiction can be defined as the repetition of a habit which an individual does with his/her complete knowledge. In other words, they clearly know and understand that they have to leave the particular habit of either ingesting a substance or performing a specific action, but cannot refrain from doing the same. The habit may prove harmful in the long run as it might lead to compulsive use.

Pornography can be found in various forms such as books, postcards, photographs, drawing, animation, film, video (video games). Before two decades, if an individual has to watch porn, he has to rent out a video. Although growth of internet has brought many advantages, there are also few exceptions like porn, which any one can access by a single click.

As with all addictions, individuals of all ages share this vice of pornography, they usually start with soft porn. Similar to drugs, they will also need larger doses to make them feel high. They will start searching for more explicit porn content. Although no survey has been done to clarify the factor from small to high dosage, it cannot be ruled out that watching porn leads to negative effects in many cases such as:

Addicts feel isolate, spend large amount of time locked in their rooms or own world. Watching pornography individually separates them from social contact dissolving into a fantasy world far from reality. Pornographic addicted individuals may indulge in imagination with multiple partners by watching porn thus causing disillusionment in family lives.

Men, who are addicted, try to become dominant, introvert, deal with anxiety, and develop low self esteem. Porn makes the real universe and world boring leaving its viewers dissatisfied and less sensitive to the emotional feelings of everyday life. According to a survey, men exposed to large volume of pornography tend to be less responsible in their career and suffer from reasoning ability.

Men who view pornography in a very young age have been found to view women only as objects of desire than to have respect for them as human beings. They can also suffer from guilt, shame, failure of rejection or humiliation.

The best way to overcome the addiction is to become socially active. Isolation and loneliness are said to be the main contributing factors. Addicts who have been given proper professional guidance and assistance have overcome and conquered their habit of watching porn.

Learn How to Play Roulette Smartly

The first category of roulette wagers are called “outside bets”. These are placed around the perimeter of the betting board. A player can bet the number will be red or black. They can also bet on whether it be odd or even. One can also wager if the number will fall between 1-18 or whether it be 19-36. All three of these bets pay even money.

Other outside bets are called “dozen bets”. These are either betting an entire vertical column of 12 numbers or betting on ranges of the first twelve, second twelve or third twelve chunks of the board. These dozen bets pay off 2:1 if the number which comes in is within the 12 you selected.

Other bets are called “inside bets”. These involve either betting on a number directly, or a combination of them. Most casinos pay 35:1 if you pick the exact number where the ball lands. That means a $10 bet brings back a whopping $350. However, it is obviously tough to pick the single right number out of all 35.

Decided which bets to make can be perplexing. Some players slog it out on their own with results being mediocre at best. Recently, technology has begun to be applied devising sophisticated systems which analyze trends and forecast future likely results. These roulette algorithms present a powerful tool to a player seeking to erase the built in house advantage.

Each different type bet can have its place in a well defined strategy. Sometimes it might be an outside bet. Other times, maybe a bet on one of the elusive green spaces is in order. Or, often there is a combination of varied bets aimed at yielding highest expectation from that next spin of the roulette wheel. Figuring out which is applicable at a given time is a task better suited to a computer than a player’s guesses.

After they learn how to play roulette, many players make the mistake of losing their initial bankroll by attempting to guess where that ball will land. It takes some players years of hard lessons to finally come to the conclusion that beating roulette requires a more sophisticated approach than just betting your sweetheart’s birthday number. When good software emerges the smart players snap it up before the casinos ensure it disappears from the market.