crypto trust Mortgage Options Open To First-Time Buyers

 

If you are on the market for your first home, you are about to enter an exciting phase in your life. There is a lot said about the benefits of renting over buying. You can’t argue with the fact that one day the building will belong to you, though, and you will need make no further crypto trust payments on it. That is the most compelling reason for buying a house, in my opinion.

Now is a good time to buy. Back in 2009 as the world was facing a financial crisis, the housing market took a nosedive and it was clear that our great leaders must do something to stimulate it. They elected to keep interest rates low and introduced the Help To Buy scheme. Under it, people only need to save a five percent deposit for a mortgage and the country will pay the rest in the form of a loan. It is a roaring success; so much that the market is racing and the government are considering measures to calm it down. Prices are going to continue rising, so bricks and mortar are a wise investment. Whether you are interested in Blundells 4 bedroom houses for sale or apartments, now is an ideal time to commit to a purchase. Here are some mortgage options open to first-time buyers.

Variable Rate Repayment Mortgages

With a repayment mortgage, you know where you stand. There are no bells and whistles to confuse you. It works like an ordinary loan, but the interest on it can go up and down. That will have an affect on your monthly repayments which will rise and fall with the interest rates. The banks perform stringent tests on your financial situation to see if you could cope with interest rate rises before they will advance the money for a mortgage. It was irresponsible lending and bad debt that caused the crisis, and we are picking up the pieces now.

Fixed Rate Repayment Mortgages

Many people opt for fixed rate mortgages. You repay a fixed sum of money every month for the life of the mortgage and rate rises do not influence them. They are ideal for people who like to plan ahead and enjoy financial certainty, but they might cost more than a variable rate loan in the long run.

Endowment Mortgages

An endowment mortgage uses a life insurance policy to pay off the capital upon maturity. When you take on this loan, you make monthly payments to cover the interest only. Back in the 1980s, they were sold to us with great promises of future wealth because when the time came to pay off the loan, there would be a lot left over to put into our pockets. What sounds too good to be true usually is, and that was the case with those mortgages. Many people found there was not enough to pay off the capital and had to take on another loan to make up the difference.

I am a firm believer in keeping things simple wherever possible. If I were about to take on a mortgage, it would be a variable rate repayment option. You borrow the money and start repaying it; what could be more straightforward than that? As time passes, more and more of the building belongs to you, so you have some security. What do you think?…

PROPS sbobet

 

At Thanksgiving I eat too much and pretend to be interested in the Detroit Lions. On Christmas I always get a new package of socks. On the 4th of July the rest of my family flies up to Louisville while I stay here to work. Not all traditions are good, but they are traditions nonetheless.

So without further ado…

THE OFFICIAL SEMI-ANNUAL BLOGGER-VEGAS PROP BETTING LINES

  1. Speaking of tradition, this one’s a classic. I have to admit, Otis is on quite a roll here, without a single Bradoween crash. It was a stunning turn of events and devastating to your humble bookmaker. On the other hand, during our last homegame, drunked Otis crawled into bed with an even more drunken TheMark. Therefore the new bet here:

HOW MANY TIMES WILL OTIS FALL OR SNUGGLE? OVER/UNDER 2

  1. Bradoween brought its own strange baby. At one point, I ran to the back deck to see TeamScottSmith leap from the top of one tree to the top… or middle after some snapping of twigs… of another. Later the same Smith climbed to the top of a much taller and more dangerous tree.

HOW MANY TREES WILL TEAMSCOTTSMITH CLIMB IN VEGAS? OVER/UNDER 1

  1. During our first Vegas gathering, Otis and I shared what can now only be described as a sort of pseudo-hallucinogenic visit to the 5AM bar. It was a weird mixture of the real and false, like watching C-Span on acid. By then we’d both gone about 32 hours without sleep.

WHICH BLOGGER WILL GO ON THE LONGEST SLEEPLESS BENDER? PICK ONE

  1. Last night I drove a single mile down the road, to the casa de Blood, and found the master of the house inside. I asked her where BadBlood was, and she pointed to the corner of the room where he sat with 4 dozen Bibles in his left hand. He was flexing and curling with the word of God, and I was puzzled by the serene look on his face. BadBlood was praying nobody would ever find out his awful secret…he can’t arm wrestle left handed.

a.) HOW MANY BLOGGERS CAN BEAT BADBLOOD AT LEFT-HANDED ARM WRESTLING? OVER/UNDER 5

b.) POKER GEEK TO BEAT BADBLOOD – 1,000/1 odds

c.) G-ROB TO BEAT BADBLOOD WHILE EATING A TURKEY SANDWITCH – 3/1 odds

  1. The first time we invited some very generous pro players to visit our conclave, it was an unmitigated disaster, at least for some of us. The aforementioned bender took place the day AFTER a much longer and more destructive streak and this meeting of the minds happened right in the middle. I remember they had some pitchers of water set out for us, and I remember drinking them ALL DRY. God I was thirsty. This summer, when we played the Aladdin classin, CJ issued a stern warning about the hooliganism, and sobriety was much higher.

NUMBER OF BLOGGERS WHO ARRIVE AT THE WINTER CLASSIC TOTALLY SOBER? OVER/UNDER 35

  1. In the Aladdin classic I played uncharacteristically tight. I finally found AA in middle position and pushed. I was called by an earlier raiser who held 66. I was thrilled when Joe Speaker told me he’d folded a 6. Less thrilled when the case 6 appeared on the flop. Last December, at Sam’s Town (which, as the crow flies is about 4,000 miles from the strip), I went out 18/30 when I got shortstacked and pushed with a naked ace. Felicia auto-called and won.

FIRST PERSON KNOCKED OUT OF THE WPBT WINTER CLASSIC? G-ROB, NO OTHER ANSWERS ACCEPTED

  1. When we flew down to Nassau for the sbobetWPT event, Al and I spent some serious time in a bottle. At one point, we drank the bar completely OUT of Sothern Comfort. The bartender spent the next 30 minutes rummaging through the Atlantis resort for more. Of course, it’s blogger tradition to have SoCo shots and we’ll all have a few. So the question is:

WHEN WILL THE FIRST BLOGGER LEARN THAT HIS/HER CURRENT BAR IS OUT OF SoCo? NAME THE SPECIFIC TIME AND DAY

  1. While most of our Vegas time will be spent in the card room, there are few things better than a blogger party in the sportsbook. Last December we took over the one at Mandalay Bay (which is quite nice) and sang the Sand Diego Super Chargers song with Al. I won good money there. Plus the Bengals covered the spread against the Pats, which won me a full $100. This time, I’ll be in the book somewhere when the Kentucky Wildcats play the Indiana Donkey Felchers on Saturday afternoon.

HOW MANY BLOGGERS JOIN ME THERE? OVER/UNDER 1 (Daddy)

  1. Now for the ones that we just need a name to answer.

WHO WILL WIN THE TOURNEY? PICK ONE

WHO WILL LOSE THE MOST MONEY ON STUPID -EV GAMES? PICK ONE

WHO WILL PASS OUT FIRST? PICK SOMEONE WHO ISN’T BG

HOW MANY PEOPLE WILL HIT ADULT ESTABLISHMENTS WITH MR. BLOOD? OVER/UNDER 13

WILL THERE BE ANY DAMN DRAMA WITH SO MANY PEOPLE COMING THIS TIME?

(Hasn’t happened yet, but perhaps we’ve been lucky.)…

The Usefulness of Good Oral Health

You must know that resorting to good oral care is vital to the health of your teeth and your overall well-being. Based on the studies of Centers for Disease Control and Prevention, 25 percent of American adults over the age of 65 have lost all their teeth. Thus, you have to practice good oral hygiene and understand about the risks related with oral health.

Cavities

It is a notion that children are only ones prone to cavities, but adults can also get cavities. If you take in a lot of carbohydrate-rich foods, such as bread, candy, cookies and soda, without practicing proper oral care, plaque can build up. Plaque eats away at your teeth and causes small holes to arise. Your dentist from https://www.rocksmiles.com/ can drill away the decay from the tooth and fill it. If the tooth surface is small, a crown may be placed over the tooth.

Bad Breath

Bad breath can be avoided by having a good oral health. In medical terms, bad breath referred to as halitosis, it happens when food particles get stuck in your mouth. The bacterium grows up and results a displeasing odor. You must floss and brushing your teeth with fluoride toothpaste at least twice a day so that you can lessen or steer away bad breath. You have to brush and scrape your tongue every time you brush your teeth because the back of the tongue is liable to bacteria.

Periodontal Disease

Gingivitis is the first level of periodontal disease. It is provoked by plaque formation on your teeth. The plague sores your gums, making them appear swollen and red. Your gums may bleed when you brush your teeth. If left untreated, gingivitis can maximize to periodontitis, which causes the bone and tissue that support your teeth to depreciate. Your teeth may get loose and ultimately have to be extracted. If you wake up one day with an extreme pain due to this, here is exactly where to find Miami emergency dentist in Florida.

Heart Disease

You must know that having a good dental health can absolutely save your life. Get your appointment at West Cobb Dentistry – dental practice in Kennesaw to get the right treatment. A bacterium that rises in your mouth because of improper dental care can enter your bloodstream. It can affect blood clots to form in your arteries, which can result a stroke or heart attack.

Some Other Reasons

Did you know that good oral health is very important especially to pregnant women? As reported by Calgary Dentists, gum problems in pregnant women are associated to low birth weight and premature birth. Also, people with diabetes must practice good oral dental health because they are at a higher risk for oral issues.
Also you can read about “where can fillers be used on face” here…

3 Ways To Boost Your Affiliate Commissions Overnight

The ideal world of affiliate marketing does not require having your won website, dealing with customers, refunds, product development and maintenance. This is one of the easiest ways of launching into an online business and earning more profits.
Assuming you are already into an affiliate program, what would be the next thing you would want to do? Double, or even triple, your commissions, right? How do you do that?
Here are some powerful tips on how to boost your affiliate program commissions overnight.
1. Know the best program and products to promote. Obviously, you would want to promote a program that will enable you to achieve the greatest profits in the shortest possible time.
There are several factors to consider in selecting such a program. Choose the ones that have a generous commission structure. Have products that fit in with your target audience. And that has a solid track record of paying their affiliate easily and on time. If you cannot seem to increase your investments, dump that program and keep looking for better ones.
There are thousands of affiliate programs online which gives you the reason to be picky. You may want to select the best to avoid losing your advertising dollars.
Write free reports or short ebooks to distribute from your site. There is a great possibility that you are competing with other affiliates that are promoting the same program. If you start writing short report related to the product you are promoting, you will be able to distinguish yourself from the other affiliates.
In the reports, provide some valuable information for free. If possible, add some recommendations about the products. With ebooks, you get credibility. Customers will see that in you and they will be enticed to try out what you are offering.
2. Collect and save the email addresses of those who download your free ebooks. It is a known fact that people do not make a purchase on the first solicitation. You may want to send out your message more than six times to make a sale.
This is the simple reason why you should collect the contact information of those who downloaded your reports and ebooks. You can make follow-ups on these contacts to remind them to make a purchase from you. Are you looking for business translation services? Contact Translation Agency UK

Get the contact information of a prospect before sending them to the vendor’s website. Keep in mind that you are providing free advertisement for the product owners. You get paid only when you make a sale. If you send prospects directly to the vendors, chances are they would be lost to you forever.
But when you get their names, you can always send other marketing messages to them to be able to earn an ongoing commission instead of a one-time sale only.
Publish an online newsletter or Ezine. It is always best to recommend a product to someone you know than to sell to a stranger. This is the purpose behind publishing your own newsletter. This also allows you to develop a relationship based on trust with your subscribers.
This strategy is a delicate balance between providing useful information with a sales pitch. If you continue to write informative editorials you will be able to build a sense of reciprocity in your readers that may lead them to support you by buying your products.
3. Ask for higher than normal commission from merchants. If you are already successful with a particular promotion, you should try and approach the merchant and negotiate a percentage commission for your sales.
If the merchant is smart, he or she will likely grant your request rather than lose a valuable asset in you. Keep in mind that you are a zero-risk investment to your merchant; so do not be shy about requesting for addition in your commissions. Just try to be reasonable about it.
Write strong pay Per Click ads. PPC search engine is the most effective means of advertising online. As an affiliate, you can make a small income just by managing PPC campaigns such as Google AdWords and Overture. Then you should try and monitor them to see which ads are more effective and which ones to dispose of.
Try out these strategies and see the difference it can make to your commission checks in the shortest of time.…

Another big progressive togel winner at BINGOGALA™!

BINGOGALA™ saw yet another big bingo progressive jackpot winner today. The player known as BetteBoop12, from Victoria, CA won $11,599.67! As always, the progressive jackpot was re-set to start at $1000, so another big progressive jackpot is already in the making.

BetteBoop12 excitedly gave an interview to togel Entertainment Ltd shortly after her big win. This is what she had to say;

Q. How long have you been playing at BINGOGALA™?
A. I’ve been playing at BINGOGALA™ for 5 yrs

Q. How did it feel when you realised you’d hit the bingo progressive jackpot?
A. I was exhilarated when I found out I had finally won a JP!

Q. What do you like most about playing online?
A. I enjoy playing from my home where I can also do different things like watch TV, do housework, enjoy a drink and/or cigarette at my leisure.

Q. Is there anything special you do, or have, to help bring you luck?
(Such as a lucky mascot etc)
A. No I don’t have a ‘lucky’ token or anything.

Q. What do you intend to do with your winnings?
A. With my winnings I will pay some bills, share with my family & friends, & take a trip to Las Vegas in May.

Q. What message would you give to other players on BINGOGALA™ who dream of hitting a jackpot?
A. My message to others is that “Yes, it really happens, just when you don’t expect it”

Q. Will you continue to play at BINGOGALA™?
A. Of course I’ll continue to play at BINGOGALA™. I have played at other sites but this was always first site for me, especially since they updated with new features.

Everyone at Bingo Entertainment Ltd offers their heartfelt congratulations to a loyal player.

Deaf Players Compete For WSOP Seat in Illinois Tournament

Deaf people from Illinois and surrounding states are expected to compete in the area’s first Deaf Texas Hold’em poker tournament on February 25 in River Grove.

The winner and second place finisher each will win a separate seat to World Series of Poker events at the Rio Hotel in Las Vegas, as well as travel expenses. Entry fee is $65 per person, with only players 18 years of age and older eligible to participate. The Deaf Texas Hold’em poker tournament will run from 3:00 p.m. to 7:00 p.m.

Players will communicate their bets by American Sign Language (ASL) and other methods of communication, said Ed Glennon, Jr., chairperson of the event, sponsored by the West Suburban Association of the Deaf (WSAD).

“Our organization encourages deaf and hard of hearing individuals to communicate and interact in activities the same as hearing people,” said Glennon, adding that the poker tournament is a great example along with other programs and activities offered by WSAD.

The logistics of the deaf tournament itself are being coordinated by WSAD and Rockford Charitable Games Association, Inc. (RCGA), party planner and consulting organization. The company is bringing poker tables and equipment to the banquet facility.

“The tournament speaks to the stunning popularity and growth of the game of Texas Hold’em,” said Jim Kasputis, president of RCGA, whose company assists Illinois charities such as WSAD run their own tournaments and raise money to help fund programs they sponsor. Each charity poker fundraiser attracts 300-500 players, said Kasputis.…

How to make a living playing online toto hk

Like it is the case with other games involving cards, toto hk requires you to know the best choice to make in all possible scenarios. In most casinos, the game remains a popular table game. The main reason as to why it is preferred by many is that it is one of the game where the player can maintain a genuine advantage over the casino. However, it is worth noting that the playing conditions as well as the rules of the game has continued to deteriorate over time.

Most houses have put in place measures that are meant to counter the winning stakes of the game. Most of the players consider the games as one where the chances of their winning is dependent on chance or luck. This makes them to play in accordance to their hunches or feeling. This is where they make the mistake. It is advisable for the player to be conversant with those rules that may be detrimental as well as the ones that provides an advantage. It is also essential for the players to learn the basic strategies of the game. Most of these can be found online and it would be necessary to familiarize yourself with them. There are also some other advanced strategies which may prove to be of essence to the player and they usually involve practice and skills.

Where a player removes the gambling element and acquire the necessary skills required in playing the game, it is possible to make some money playing the game.However, according to most skilled players, there are better ways of making a living other than playing blackjack. It would be unnecessary for you to let the game distract you from other meaningful pursuits and endeavors. Therefore, it would be dishonest to claim that a player can make a living from playing online Blackjack.

Playing in online blackjack tournaments

Online blackjack tournaments for real money can be found on a variety of intenet websites. The online blackjack tournaments usually eliminate players who play against others for anywhere from 15 to 30 hands. If you wind up with the most chips you are then moved to another table to repeat the process until all the other players entered in the turbulent are eliminated.

Usually players who follow “basic strategy” will do relatively well in the online tournaments. You might find however that if you change your betting strategy you could wind up with an edge. One of the altered strategies would be when you are the last player to bet in a hand. At that time you can bet high enough to guarantee the chip lead when no other players have busted.

When you are looking at the online blackjack casinos you may run across the phrase “online blackjack bonuses” the main thing to remember is that these are not really bonuses. What happens is upon registering at a online casino many times that casino will offer you bonus money that you can use to gamble. These bonuses usually require you to play other casino games before you can get the money to use in online blackjack. So be sure you understand the conditions of the bonuses while making the decision to get online with any particular casino.

One of the questions most frequently asked is whether there is any difference between traditional blackjack as played at table games in a casino and online blackjack. No there are not any major differences however you will find your play in online blackjack is much quicker than it is at a table in a traditional game. Overall the online game is much faster since you do not have to wait for the dealing of the cards or for the counting of chips. Finally, you do not have to worry about losing your seat if you want to take a break.…

Review of Shut Up and Deal

Shut Up and Deal is a novel that explores the world of the compulsive, yet professional, high limit poker player. This fictional account chronicles a piece of the life of a young poker pro named Mickey as he struggles to keep himself in the black, but more importantly in action, over the course of several months.

Shut Up and Deal has engendered a great deal of controversy in knowledgeable poker circles. Folks seem to love or hate the book, but few are indifferent to it. It’s not a book on how to play poker, nor is it long in conventional literary stylings. For example, the book is almost completely devoid of theme and is very light on plot. Only one character is developed. It’s a narrative, and one that doesn’t go anywhere, although that’s partly the point. The protagonist spends most of the book spinning his wheels, but in his mind, that’s a victory, because his ambition seems to be just to stay in the game.

The book is written in a “conversational” style, although the voice of the conversation, Mickey talking to the audience, draws out sentences and rambles almost aimlessly. Unpleasant is far too strong a word for my impression of the prose, but I have to admit that I never did get into its rhythm. This is despite my being a fan of the great stream-of-consciousness writers, like Hunter Thompson and William Burroughs, that May seems to borrow from. It may very well be my failing for not getting the flow right in my own mind, as writer (and poker player) Tony Holden indicates that he thinks May is skilled in this regard.

The poker, however, is accurate. At least as much as we get to see of it, which isn’t in much detail. May has convinced me that he has spent time around these games, at the very least. If anyone wants to get inside the head of a high Slot Gacor stakes compulsive gambler, they’ll find an avenue here. Why do folks do it? What drives a person to play big at almost any cost? What’s the need that gets filled? Those who haven’t experienced it will probably never know for certain, but this is as close as most are likely to get, at least without a five figure bankroll.

Overall, though, my reaction to Shut Up and Deal is best summed up as tepid. I didn’t despise the book, nor did I consider it a waste of time, but it didn’t excite me either. I certainly can’t recommend it as highly as Holden’s first rate Big Deal, which I think is much more compelling, irrespective of the fact that it’s also a true story. Maybe it’s just the lack of conventional plot, or the lack of any strong themes or lessons to be learned, or maybe even its that the psychology is described, but the poker action never is that gets to me, I don’t know.

In any event, anyone who enjoys reading about the world of gambling and the attitudes that surround it will probably get into this book, at least enough to make it worth reading. For those who want either more substantive literature or compelling poker, read Big Deal first, then trek down to the local card room and check out the action for oneself.

Capsule:
I seem to be one of the few who had a lukewarm reaction to Shut Up and Deal. On the one hand, it is a compelling psychological look into the life of a high stakes poker player whose life revolves around being in action. On the other hand, for me the book held almost nothing else of interest, including no interesting writing and almost no plot whatsoever. Either way, I don’t feel the book is a waste of time, but I believe there is a lot of writing on the topic of much higher quality. As a case study, it’s my opinion that this book is ultimately more of a study on addiction than poker.…

Voice-overs / Audio – Translation Services UK

 

 

Bubbles Translations the ideal choice to transform your voice-overs for your target market, instantly making your audio-visual marketing tools appealing to international clients.

 

You can extend your range of potential customers using any of the following of Bubble Translations’s voice-over services:

 

Audio recordings of leaflets

Telephone message scripts

Training/corporate videos

Product demonstration videos

Talking books

Information announcements

General promotional material

Our experts work together to ensure firstly that your script is expertly translated and proof-read. Then, from our database of native speakers, we match your exact voice requirements according to age, gender and specialist area. We can even arrange the hire of a studio if necessary, or simply work with any existing studio. We can also provide computerised recording of your voice-over on WAV or MP3 files.

 

We will be happy to discuss your exact requirements with you, and even devise a complete strategy to copywrite and translate your script and supply the final voice-over.

 

Typesetting / DTP

 

At Bubbles Translation we are industry leaders for typesetting and desktop publishing foreign languages and produce many thousands of pages in over fifty languages every year.

 

Our vast experience and track record includes managing projects as varied as typesetting series of Arabic and Japanese business cards for major finance houses, desktop publishing series of technical manuals in 30 languages for both print and downloading as PDF files from a website, and typesetting and printing government information leaflets in many ethnic languages.

 

Adaptability is the keyword – we provide our Translation Services UK typesetting and desktop publishing services as a stand alone service, often to the industry, or as part of our one-stop-shop solution on complete translation or website projects.

 

With design houses, advertising agencies and other translation companies commissioning over half of our studio output, we are used to satisfying the most exacting of clients.

 

We provide our work in all languages, including Arabic, Chinese, Greek, Hebrew, Hindi, Japanese, Korean, Russian, Thai and Urdu. We always ensure that typography and layout are consistent in every language, matching fonts, point size and the general appearance of the copy so that the published version has the same look and feel as the original.

 

For right to left reading languages such as Arabic, Farsi, Hebrew and Urdu we re-paginate the document where necessary and flip the layout to cater for the right to left reading language again to ensure the end user is looking at the design just as the designer intended.

 

Our fantastic accuracy and customer satisfaction, combined with over 16 years of experience and resources, make us the ideal providers of all your typesetting and DTP needs, whatever the language.

 

 …

Tournament of UFA Champions is in a Class of its Own

The 2021 Tournament of UFA Champions (“TOC”) final event is about to get underway under the bright lights of film crew cameras at the Orleans Hotel in Las Vegas. The TOC has drawn hundreds of players from the four corners of the globe. Many are unknown champions from thousands of miles away, who travel here to pit their talents against the regulars, the tournament circuit pros and poker’s most accomplished UFA players and renowned personalities.

The three day long event tests the broadest range of skills of any poker tournament on the planet. Every player here is a champion! In order to play in this event each player has won a TOC designated qualifier. From small towns and big cities, one time lucky winners and tournament circuit pros face off in the rotation of various forms of limit poker games; Limit Hold’em, Stud, and Omaha Hi-Lo Split. The nine finalists will then turn to the “Cadillac of poker games,” No Limit Hold’em, to decide the TOC Champion.

The TOC was founded with a vision; a gathering of sturdy gladiators – from private clubs in small hamlets to the giant poker rooms of the Americas and the growing poker meccas from Austria to Australia – for the most rigorous competition invented in the Land of Poker.

Every year the TOC brings innovations and surprises and this year has been no exception. TOC President Chuck Humphrey called a first ever “Town Meeting” of poker players in the Champion’s Lounge. He challenged the movers and shakers to rise and shine early in the morning on July 25th to take part in a player/management gabfest to determine this year’s pay-out structure for the remaining TOC events – even including the “Big One.”

Everyone was asked to do their homework and to bring written proposals of their ideas. At 11am (dawn for a lot of poker players), Humphrey called the meeting to order by naming “yours truly” Chair for the meeting. He had warned me of his plans privately before the meeting. He said there would be plenty of poker heavyweights in the crowd and that my lion-taming prowess was about to be tested. I smiled slyly and insisted that no such warning was necessary for this business meeting with the likes of tournament experts T. J. Cloutier, “Miami” John Cernuto and Eric Seidel a poker star of Rounders in attendance. The participating crowd swelled to more than sixty. They listened to presentations from top tournament pros including Phil Hellmuth and Daniel Negreanu, and Ian Dobson who was a Poker Million finalist last year and a spokesperson for the Europeans.

Linda Johnson, Poker Ambassadoress extraordinaire and TOC founder Mike Sexton did their homework and set forth their similar proposals that were roundly applauded and built a consensus. TOC Boss Humphrey was a man of few words during the meeting. But while it was in progress he put pen to paper and made a few adjustments to the recommendations and returned to the table to announce that the input at the meeting was at the heart of adopted revisions for the prize pool distribution for the remainder of the 2001 TOC.

The revisions enhance the pot of gold for the top finishers while insuring respect for those who place in the money at the bottom of the totem pole. Under the revised plan, the top dog in the final event is likely to earn more than $200,000 – a heck of a payday, no matter how grueling the work. The finisher in 45th place (based upon sufficient entries) will be rewarded with double his/her Buy-In for a cool $4,000. Now, that’s more than a drop in the bucket for a lucky recreational player who has come from afar – maybe a small club in Birmingham or a casino in Sydney.

Ah, first these finishers qualify for the indescribably delicious TOC Championship, and then they get to play with the masters of the trade (probably knocking out a poker celebrity or two in the process). They have a fabulous time, a free vacation and money left over for gifts – maybe enough to buy a car, or with skill and a nod from Lady Luck, a pot of gold at the end of the rainbow. Personnel and players are very pleased by Humphrey’s exceptional efforts to bring prestige to the poker industry while upgrading respect for all players within the poker community.

In addition to the unique Mixed Games championship, and the first ever Tournament Participant Town Meeting, Humphrey will once again electrify the TOC Championship arena with the opening ceremonies at the final event. The pageantry of contestants parading into the arena with their country flags will be a filmed celebration of the game and a tribute to the poker greats and dark horses who make up the tournament mosaic.

The TOC’s innovations have been non-stop. This year, Humphrey incorporated a Seniors TOC with the inimitable promoter “Oklahoma” Johnny Hale who did the hosting chores and brought the baby boomer in to rock ‘n roll. It was one of two events with a charitable component. Humphrey turned over the reins once more to Linda Johnson who hosted an international charity event that was played by teams from the competing nations. Vietnam was the winner with Men “The Master” Nguyen championing “Children of Vietnam” for 50% of his winning proceeds. Not to be outdone, a Japanese contingent set up a money tournament that drew lots of extra attention when the team challenged Pokerpages President Mark Napolitano to become Japanese for a day. Napolitano anted up his $120 and went on to become vested in the Japanese tradition with a first-place finish.

As we go to press, there has been a filmed weigh-in for tournament punters who dare to diet and wager $2000 on their anticipated success based upon a formula and timetable that was kept secret until their arrivals at the scales. Those who succeed will share in the proceeds from those who don’t. Yours truly was among the brave.

Tune in for a list of those who promise to become newly svelte at PokerPages.com during the exclusive Internet broadcast of the TOC final table action beginning 8pm Sunday, July 29th or you’ll have to wait until the video comes your way!

Wendeen Eolis’ accomplishments in business, politics, and poker have been profiled this past year in The New York Times, on A&E;’s Biography, and on Court TV, as well as in GQ Magazine and Poker Digest. Her legal consulting company, Eolis International Group, Ltd. reviews law firms and selects counsel, worldwide — for companies, governments, and individuals. Wendeen has also been among the most effective advocates for smoke-free poker rooms in the United States.

 …

Bola88 Risk Versus Reward

 

 

Weighing the upside versus the downside, what you stand to lose versus what you stand to gain, is pretty universal. It’s how we figure out what to do in any given situation, assuming the governing factor is logic. Poker, like many important life decisions, should be approached with a risk versus reward analysis.

 

Good poker players assess the risks they face in a given situation and the potential reward they may receive if the cards come their way. Of course, most poker equations have an effectively infinite number of variables, plus the decision is based on incomplete information, as you can rarely be sure of your opponents’ exact holdings. So, poker decisions are based on educated guesses, taking into account all of the known variables, the possibility of unknown variables, and your conceptual knowledge level. The greater your conceptual knowledge level and information, the better your decisions should be.

 

The game was $40-$80 limit hold’em. It was a generally solid group, with a couple of weak players in the mix. The field folded to one of the weak players, who limped in from three off the button. As a general rule, I do not like the play of limping to open a pot from late position. It can be correct when it is done as a “trap” play in order to induce players to make incorrect calls later in the hand, but that is the right play in fewer situations than you might think.

 

When you open the pot with a raise, you add the possibility of winning the Bola88 blinds without a struggle into the plausible scenarios. If there is little or no chance of winning the pot without a call, the play loses some value. But even when the raise won’t win you the pot right away, if you utilize good hand selection, the likelihood that you’ll have a better hand than your opponents who always call a raise from the blinds is great. Of course, a limper in front of you changes the scenario some, as it increases your risk and almost eliminates the chance to win without a flop.

 

After the weak player limped, the button (a solid player) called and the action was on me in the small blind. I looked down to see K-9 offsuit, not the best of hands by any means, but it had some potential. Still, the hand was very marginal. I could easily make a hand, only to find that it was second best.

 

In marginal hand-selection situations, I include other factors in the equation to define my risk-reward ratio. What types of opponent(s) am I up against? Are they easy to read? If I make a second-best hand, am I likely to be able to get away from it? Will I get good value out of my hand? Is my hand likely to get paid off? Can I likely bluff the pot or otherwise outplay my opponent(s)? In this case, the limping player was likely to call me down, as he had a tendency to pay off everything. The button would very likely play his hand correctly no matter what.

 

In this situation a major variable to consider was the likelihood of the big blind raising. He was a tight raiser, particularly when out of position, and I felt little threat of a raise from him. Since I already had half the bet committed, the pot was laying me 7-1 now, so I called. The big blind rapped the table and we took the flop fourhanded.

 

The flop came Q-J-3 rainbow, giving me a gutshot and an overcard draw. With the weak limper in the pot, I did not think that betting as a semibluff would be a strong play, as he called most everything and also had position on me. I checked, hoping to get a free card. The weak limper disappointed me and fired $40 into the pot. The button folded. The big blind, yet to act behind me, appeared to have lost interest in the hand. I was the only viable contender left.

 

The pot was laying me 5-1 ($200-$40). I was 43-4 to make the gutshot; 43 cards missed the straight and four completed it. That was not currently a good enough price to draw to the hand. Did any other factors add value? Would a king also be good? It might or might not be, but overall, I believed it had added value. Also, Mr. Limper paid off everything. If I made the straight, I should be able to extract additional bets out of him, and they would likely be bets placed in the pot with him having little chance of winning. Additional bets placed in the pot with your opponent stone dead have much more value than bets placed in the pot with your opponent having a chance of drawing out.

 

There was also the slight possibility that he would check the turn and I would benefit from a two-for-one sale: two cards for the price of one. The additional value that those factors added to my hand turned my hand from a fold to a profitable call. I flat-called the $40 and took one off.

 

The turn card was the Jspades, pairing the board and putting a two-flush up, also. I checked, once again hoping to get a free card. Once again, my opponent disappointed me and bet.

 

The price I was getting now was $360-$80, 4.5-1, which was not far off the price the pot offered me on the flop. But things had changed! No longer was there the possibility that I could see two for the price of one, as only one more card was to come. Also, the chance of my making my hand and losing had gone up. My opponent could already have a full house. And he could have picked up a backdoor-flush draw in spades, thereby reducing some of my outs. Add to that the fact that my price had gone down, and my hand had turned into an easy fold. I tossed my cards into the muck.

 

This hand is not the most interesting poker story, but most poker hands aren’t. It does speak to the concepts of adjusting your play based on the strengths/weaknesses of your opponents, how the hand plays, and how you must adjust your odds based on your likelihood of winning, not just improving.

 

With the turn of each card and each bet by my opponent, my risk-reward ratio changed. In poker, you have to make your decision based on the situation at the time — and if you don’t understand the way changing conditions have changed the situation, you’ll likely find yourself always taking more risk than the potential reward justifies. spades

 

 

 …