Gambling Addiction and Its Behavioral Effects

How Do I Know If I Have A Gambling Addiction?
You will know if you have a gambling addiction if gambling has affected your life negatively socially, emotionally, financially and spiritually. If you have gambled alone, and have missed work, 토토사이트 lost more than you could afford, or lied about gambling, you more than likely have a gambling addiction. “Compulsive Gambling” is considered an impulse control disorder and is characterized by unstoppable thoughts and uncontrollable impulses to gamble. “Problem Gambling” is considered less severe than compulsive gambling, but it is still a very serious problem.

Someone in my family is addicted to gambling. What should I do?
There are many paths you could take when a family member is addicted to gambling. You can go to a gamanon meeting yourself to get 12 -Step support from other family members of gamblers.(Check links and resources). This might be a good first step in finding out how to approach your family member, since every situation is different. Please check resources page for more information on this topic.

I have a gambling addiction and I have lost a lot of money. I am in debt, and I do not know what to do. Can you help?
Going into debt is one of the biggest after-effects of a gambling addiction. It can effect the gambler long after he or she stops gambling and is one of the long-term consequences of gambling addiction. When you attend a Gamblers Anonymous 12-Step Group you can find support from trusted members on how to deal with your debt problems. Please also visit the links and resources page to find out more about debt and credit solutions as a result of your gambling addiction. Remember, gambling addiction is not a money problem.. it is an emotional and spiritual problem with financial consequences.

Can I have a gambling addiction if I go to the casino.. but mostly win?
Yes. There are 4 phases of a gambling addiction. 1. Winning Phase: Usually starts with a big win and a belief that good luck will continue indefinitely. 2. Losing Phase: More pre-occupied with gambling. You are gambling alone, missing work, lying about your whereabouts, and beginning to chase your losses. 3. Desperation Phase: This is truly characterized by a loss of control, preoccupation with gambling, defaulting on most debt, cheating or stealing,loss of job or primary relationship. 4. Hopeless Phase: You hit rock bottom. You may also start abusing drugs or alcohol. Suicide thoughts and attempts are common in this phase.

I gamble when I am lonely and depressed. How come?
You are most likely known as an “escape gambler” You gamble to escape emotional pain. Most “escape gamblers” can become addicted to slot machines, online gambling, and bingo. An “action gambler” is someone who enjoys risk taking and gambles on games of skill such as sports betting, the stock market, and cards. “Action-gamblers” have been traditionally male, however, the genders are becoming well represented in each group.

I Won the Lottery! Or, Maybe Not

Around the globe, point out and national lotteries have been recognized to raise dollars for neighborhood charities and other good triggers. Having said that, there are some lotteries that location a bigger emphasis on charitable donations than Other individuals. In Europe,Kbc head office number there are plenty of lotteries that exhibit this volume of determination to neighborhood great leads to. The united kingdom National Lottery is 1 these kinds of organization, and it has attained a standing as One of the more generous gaming providers on this planet.
 Operated by Camelot, The United Kingdom’s National Lottery stresses the importance of donating its cash to nearby charities. The lottery operates The nice Brings about Corporation which distributes money by means of 13 distinctive teams that are connected to various sectors. These teams contain: The Arts Council, British Movie Institute, Heritage Lottery Fund, Olympic Lottery Distributor and UK Activity.
 Each individual team is allocated a specific amount of money to distribute to nearby charities each year. Some groups have many allocations for various reasons. As an example, the Heritage Lottery Fund delivers up to £five million in funding for your Parks for Folks initiative and nearly £two million for your Townscape Heritage initiative.
 More than the program of your earlier yr, the UK National Lottery has raised £29 billion for 390 000 jobs throughout the uk. In Scotland, £two.three billion was donated to 49 five hundred projects, and 19 000 jobs in Northern Ireland gained £933 million. In Wales, £1.three billion was awarded to 35 900 initiatives.
 The remaining £twenty five billion was obtained by charities in England, with London getting one of the most quantity of funding. £5.six billion was awarded to forty two 700 London-centered tasks, together with Crisis United kingdom, Wembley Countrywide Stadium, Tate Gallery as well as Royal Opera Residence.
 Probably the most attention-grabbing and legendary jobs to obtain lottery funding was The King’s Speech, a British historic drama that gained the 2010 Academy Award for ‘Most effective Movie’. The challenge been given £one million from your UK Nationwide Lottery, comprising a good portion in the movie’s £eight million spending plan. Having an all-star cast, The King’s Speech went on to be one of the most prosperous British films of all time, grossing $430 million from the all over the world box Workplace and successful 79 awards.
 A significant portion of all lottery profits are donated to those great triggers, plus much more. Product sales from scratch cards, lottery tickets and specialty attracts all lead to local charitable jobs. This yr, more than 25% of all earnings was awarded to worthy assignments and charities, along with the National Lottery ideas on donating more Sooner or later.

You Can Stop Your Compulsive Gambling Addiction

This is an element three of a multipart series of articles or blog posts relating to proposed anti-gambling legislation. In this post, I continue the dialogue of The explanations claimed to produce this legislation vital, along with the info that exist in the actual earth, including the Jack Abramoff connection along with the addictive mother nature of on line gambling.

 The legislators try to protect us from something, or are they? The whole matter appears to be slightly puzzling to state the minimum.
 As talked about in previous posts, the home, as well as the Senate, are Again considering the issue of “On the internet Gambling”. Payments are submitted by Congressmen Goodlatte and Leach, in addition to by Senator Kyl.
 The Monthly bill being put forward by Rep. Goodlatte, The net Gambling Prohibition Act, has the said intention of updating the Wire Act to outlaw all sorts of online gambling, to make it illegal for a gambling business to accept credit rating and electronic transfers, and also to power ISPs and Common Carriers to dam use of gambling related websites with the ask for of regulation enforcement.
 Just as does Rep. Goodlatte, Sen. Kyl, in his Invoice, Prohibition on Funding of Unlawful Internet Gambling, makes it illegal for gambling enterprises to simply accept charge cards, Digital transfers, checks as well as other varieties of payment for that intent on inserting illegal bets, but his Monthly bill isn’t going to address those who location bets.
 The Monthly bill submitted by Rep. Leach, The Unlawful World wide web Gambling Enforcement Act, is essentially a duplicate in the Invoice submitted by Sen. Kyl. It concentrates on blocking gambling businesses from accepting charge cards, electronic transfers, checks, as well as other payments, and like the Kyl Monthly bill tends to make no adjustments to what’s at present legal, or illegal.
 Within a estimate from Goodlatte We’ve “Jack Abramoff’s total disregard for your legislative course of action has allowed Web gambling to carry on thriving into precisely what is now a twelve billion-greenback business which not merely hurts people and their people but can make the financial system undergo by draining billions of bucks from America and serves for a car for cash laundering.”
 There are lots of exciting points listed here.
 For starters, We have now slightly misdirection about Jack Abramoff and his disregard with the legislative method. This remark, and Other people that have been produced, Stick to the logic that; 1) Jack Abramoff was opposed to these expenses, two) Jack Abramoff was corrupt, three) to prevent getting linked to corruption you must vote for these expenditures. This is often of course absurd. If we followed this logic to the acute, we should always return and void any payments that Abramoff supported, and enact any costs that he opposed, whatever the material of your Invoice. Laws need to be passed, or not, depending on the deserves on the proposed legislation, not determined by the popularity of 1 particular person.
 As well, when Jack Abramoff opposed preceding expenditures, he did so on behalf of his customer eLottery, attempting to receive the sale of lottery tickets over the web excluded from your laws. Ironically, the protections he was seeking are included in this new Monthly bill, considering that condition operate lotteries might be excluded. Jack Abramoff for that reason would most likely support this laws because it offers him what he was trying to find. That does not stop Goodlatte and Other people from using Abramoff’s new disgrace as a method to produce their Monthly bill glance improved, As a result which makes it not simply an anti-gambling Monthly bill, but by some means an ant-corruption Monthly bill too, whilst concurrently fulfilling Abramoff and his client.
 Next, is his assertion that on line gambling “hurts men and women and their families”. I presume that what He’s referring to Here’s challenge gambling. Let us established the history straight. Only a small percentage of gamblers turn into issue gamblers, not a little percentage with the population, but only a small proportion of gamblers.
 Additionally, Goodlatte would’ve you feel that World-wide-web gambling is a lot more addictive than casino gambling. Sen. Kyl has absent as far as to simply call on the internet gambling “the crack cocaine of gambling”, attributing the quote to some un-named researcher. On the contrary, scientists have demonstrated that gambling on the Internet is no extra addictive than gambling in a On line casino. For a subject of truth, electronic gambling devices, found in casinos and race tracks all over the place tend to be more addictive than on line gambling.
 In exploration by N. Dowling, D. Smith and T. Thomas at The varsity of Overall health Sciences, RMIT University, Bundoora, Australia “There is a normal see that Digital gaming is the most ‘addictive’ form of gambling, in that it contributes more to creating difficulty gambling than some other gambling exercise. As such, Digital gaming equipment have been known as the ‘crack-cocaine’ of gambling”.

Is “100% Holistic Skincare” Just a Big Con?

I’m sure you’ve seen the claims. “100% holistic skincare”, or perhaps “100% pure skincare”. Are these claims a big con or is there something worthwhile behind them?

In my view there’s some powerful reasons for today’s woman to use pure and holistic skincare. One of the best reasons is that the skincare and cosmetics industry has no requirement to submit their products to a regulatory or government body to show that the ingredients are safe. And so there are many suspect ingredients in modern skincare products. Pure skincare products are safe, and effective.

However whether you’re looking for pure skincare products, or holistic skincare products or cosmetics that are made from totally natural ingredients, you need to understand a couple of things.

Firstly, what does “natural” or “holistic” or “pure” really mean? It isn’t possible to use 100% natural ingredients in any skin care product, and in fact that shouldn’t be the goal of any cosmetics and skincare product manufacturer.

Any ingredient that is natural should be naturally occurring, for example is derived from plants. However it isn’t possible to actually use that ingredient in a skincare product unless it is processed in some way, because it needs to be taken out of the plant in which it is found and put into a form that is usable in the product, and that requires some form of processing.

However just because it has to undergo a form of processing to extract it from a plant does not imply that it is no longer effective or safe. And it also doesn’t disqualify it from being “natural” or “holistic” or “pure”. It just means that it has to be processed.

So there isn’t, in effect, a 100% pure skincare product, or 100% holistic skincare product available.

Is this an argument to justify buying any old skincare product? Absolutely not. There are some quite nasty ingredients in many of the mainstream big brand name skincare and cosmetics products on our shelves. The companies that manufacture these are not required to prove their safety before they are used in cosmetics, and many should be avoided. Parabens, Dioxane and Diethanolamine are just 3 ingredients found in various skincare and cosmetics products that are considered to be less than safe. And in some cases are suspected of causing cancer. Or skin irritation, for example.

So although there is no 100% pure skincare product on the market, there are excellent natural skincare products available. Yes they use ingredients extracted from plants by a form of extraction process, but these ingredients are tested and proven safe and, particularly, effective skincare ingredients. Something that cannot be said about many mainstream skincare products and cosmetics that so many people regularly use.

Here’s a few ingredients that are fairly considered to be natural or pure ingredients and can be found in the best “holistic” skincare products, or “pure” skincare products.

Phytessence Wakame. Extracted from a seaweed native to Japan. This seaweed is a form of kelp and is commonly found in the Japanese diet, one of the reasons the Japanese seem to have such good skin right into older age.

Cynergy TK which is a substance which is extracted from the wool of sheep, and which plays an important role in overall skin health. Cynergy TK has been shown to actually stimulate the production of collagen and elastin in our skin.

Collagen and elastin are 2 of the most important substances found in healthy skin. They are both proteins and are both involved in maintaining elasticity and firmness of skin, both responsible for producing great looking, younger looking skin. As we age our bodies produce less collagen and elastin than our skin needs to remain supple, and so any skincare product which promotes the production of collagen and elastic will work extremely well as an effective skincare product.

What Every Financial Institution Should Know About Social Networking

The aim of any business is to be successful and profitable throughout the lifetime of the organization. The evolution of communication technology in recent years has helped make this possible by improving a business’s ability to network with its existing and potential customers. What once required face-to-face conversations and the physical exchange of contact information can now be done in an entirely virtual environment with just a click of a button.

Advances in communication technology, such as texting, blogging, emailing, media sharing and gaming, have created new social norms and revolutionized the way people communicate. It is no wonder, then, that the financial services industry is beginning to use various forms of Computer Mediated Communication (CMC) to enhance customer service and improve current products and services. The most popular form of CMC are social networking websites such as Twitter, Facebook, MySpace, and LinkedIn, which are used primarily to maintain or build connections among users.

Social networking sites represent a large market with tremendous growth potential that can be easily targeted by financial institutions if they know how to use these sites to their advantage. Like many organizations that have already experienced the benefits of using social networking sites to enhance their business, financial institutions are beginning to understand and embrace the power of social networking as it relates to their day-to-day business activities as well. Whether educating customers on new services, boosting customer confidence, increasing sales outreach or personally connecting with their customers to meet their banking needs – social networking is a vital communication tool that financial institutions can utilize in many of their customer business interactions.

Understanding Social Networking
Social networking is a form of collaboration and networking where individuals develop groups and associations, often forming a virtual community. While social networking is possible in a face-to-face setting, such as on a college campus, it is most often seen online in a CMC environment. The size and popularity of the “communities” created by MySpace and Facebook and other social networking websites have experienced substantial growth as more and more people invite their acquaintances, co-workers, friends and family members into these virtual communities.

The traditional roles of the sender and receiver involve delivering messages in a clear and concise way and providing feedback to achieve agreement of a particular subject. Social networking uses these same basic building blocks but accomplishes the end results in a slightly different way. The cues that help facilitate understanding in a face-to-face environment (e.g., intonation of voice, body language, facial expressions, physical distance, etc.) are often removed in a social networking environment. Though some websites offer an audio visual element, social networking is largely text-based, relying on “digital gestures” to demonstrate emotions and add emphasis to a message, such as: social network

• Forwarding.
• Recommending.
• Sharing.
• Tagging.

Social Networking Applications for Business
Networking has always been a key success factor in the business world. Networking involves linking together individuals who, through trust and relationship building, become walking, talking advertisements for one another. Traditional networking often takes place face-to-face at business lunches, conferences or exhibitions, where people are able to meet and establish mutually beneficial working relationships.

Online social networking offers many of the same benefits as traditional networking, while allowing bankers to more easily network with the average consumer as well as with their colleagues in the financial industry. Used appropriately, online social networking offers businesses the opportunity to develop meaningful, long-lasting customer relationships.

A study of the banking industry and the ways in which several banks’ board members networked with others showed that though these professionals are interested in using networking to secure new customers and to maintain and develop existing customer relationships, they also want to use networking to represent their banks in community, professional and trade organizations and to procure market trends and competitive information.

To achieve the goals identified in this study, board members and other bank employees must first understand what social networking is and how it can be used to position their banks above others in the industry. If properly trained, these employees can use social networking to achieve their banks’ organizational goals and place their banks in the top positions in the industry in the following five ways:

• Community building.
• Product research.
• Customer service.
• Marketing and promotion.
• Transparency.

Social networking is currently being used to bolster the reputations of the financial institutions that use it, providing information both internally and externally. This type of information sharing builds consumer confidence and helps employees understand the importance of their roles within their banks and how they should strive to achieve the highest standard of customer service.

Global Lotteries: More Problems With Bogus Lotteries

A new type of lottery fraud has been reported in Austintown, Ohio as described by the local newspaper. Kbc office number

Initially the victim cannot see a scam at all and believes he or she has received an unexpected windfall. One Austintown woman opened her mail to discover a cheque for $1985 from an organisation called the ‘Global Lotto Commission.’

There was a letter with the cheque and it informed the lady that she had won a share of a $125,000 lottery jackpot. To take the process further she was to call a particular number and speak to a named person in the organisation. The lady receiving the letter was fortunately smart enough not to ring the number given but instead took the letter to the authorities.

The Global Lotto Commission is a well-used cover for many scams and of course does not exist.

Some recipients of the letter and money would have cashed the cheque thinking nothing could go wrong. Of course this is not true; if anyone rings the number they would be instructed to forward a share of the money using a money transfer company in order to cover ‘administration charges.’ The cheque will then be discovered to be invalid by the bank and the victim will have sent his or her own money to the thieves.

Camelot, the administrators of the British National Lottery, and other legitimate lottery organizations know just how prevalent the scams are becoming so they are trying to make it widely known that nobody should give money or information to the scams and to understand what bogus communications look like. The scammers want either your personal information or your money.

On their website the British National Lottery administrators provide information useful to everyone and it is applicable to any of the global lotteries. There are certain guidelines that are getting well known now but are always worth communicating.

None of the legitimate lottery organizations will contact a player who has won a prize in a draw. It is the responsibility of any winner to contact them to show their winning ticket and claim their prize.

To participate in any legal lottery all players must purchase a ticket or join a syndicate. There is no exception to this: you will know in advance that you are in a lottery, as you will have parted with money. Of course you can now play lotteries online but even then you have to buy tickets before the draw takes place.

The administrators of the British National Lottery and other legitimate lotteries would never inform you how much you have won using email nor would they ever ask for any money or your personal; details. They have no reason to do so.

Scams are becoming more sophisticated now. Some emails include a link embedded within them and this will take you to what looks like an official lottery website. You will be asked to enter your personal details or even download software. Any details you enter will then be used to access your accounts or even make purchases in your name. Such links should always be ignored.

It is possible you may still wonder if an email or letter is genuine. If so, then check on Google for the official legitimate website for the lottery and, if the results show a site different to the one in the email, then you are the victim of a scam. In any case, it is worth Googling any lottery organization mentioned in any communication, as this will bring up any reports of scams already notified.

All the global lotteries have their own websites and most have information on scams and how to avoid them.

The golden rule is if you are the recipient of a letter, email or even a telephone call informing you that you have won a prize in a lottery you have not entered, destroy the letter, delete the email or put the telephone receiver down. There are websites to which you can report scams and your local police or trading standards department may be interested but it is essential that you do not act as instructed by the scammers.

Such scams have already made too much money from their victims, it is time we stopped their source of money and information.

Keith Braithwaite has had twenty years in and keenly observing direct selling. He is an accredited Elottery affiliate. Other passions include personal development, painting, drawing, photography cycling, walking and the outdoors generally.

Lottery Summary: Does Lottery Strategy Really Work?

Do you know how to calculate the odds of winning the lottery, including the Florida Lottery? You can calculate each set of odds for each different lottery game you play. With the Jio Lottery winner assistance of a small hand held calculator or with the free calculator on your computer, you just multiply the numbers together and add one division process when “the order” of your chosen numbers is not required for a particular lottery game.

What you “need to know” is the number of total balls that the winning numbers are drawn from… it 59, 56, 42, 49, or 39? If there is a secondary drawing for the single extra ball, such as the “red ball” with Powerball or the Mega Millions’ “gold ball” you need to know how many balls are in this group as well. Are there 49 or 39?

It doesn’t matter if it is the Florida, Ohio, Texas, PA or NJ Lottery. This strategy or formula gives you the true odds. Florida Lottery is 6/53. New York Lottery is 6/59. The Ohio Lottery, Massachusetts Lottery, Wisconsin Lottery, and the State of Washington Lottery carry a 6/49 lottery numbers ratio. Illinois Lottery carries a 6/52.

Once you have this information correctly in front of you and your calculator in hand, you can start working the formulas. You need to choose five regular balls and one extra ball correctly matched to the winning drawn numbers to win the multi-million dollar jackpot that most of us dream about winning someday.

In the first example there are 56 balls in the first group and 46 balls in the secondary group. In order to win the Jackpot you need to match all these balls (5 + 1) exactly, but not necessarily in order. The California Lottery’s Super Lotto Plus is 47/27. The big drum is spinning with the initial part of the drawing. You have a 1/56 chance to match your number to this first ball.

With one ball removed after the first number has been drawn, you now have a 1/55 chance of matching another one of your numbers to the second ball drawn. With each drawn number a ball is removed lowering the number of remaining balls by a total of one.

The odds of you correctly matching the number on the third ball to be drawn is now 1/54 from the total number of balls remaining in the drum. With the third ball removed from the drum and sitting with the other two winning numbers, your odds of correctly matching the fourth ball is reduced to 1/53.

As you can see each time a ball is released from the drum the odds are reduced by one. You started with a 1/56 chance, then with each new winning number it is reduced to 1/55, 1/54, 1/53, and with the fifth ball you have the odds of 1/52 correctly matching this fifth winning number. This is the first part of the formula of how to calculate your odds of winning the lottery, including the Florida Lottery.

Now take these five odds representing the five winning numbers (1/56, 1/55, 1/54, 1/53, and 1/52). The “1” on top of the fraction represents your one and only chance to correctly match the drawn number.

Now you take your calculator and multiply all top numbers (1x1x1x1x1) equal one (1). Next you multiply all the bottom numbers (56x55x54x53x52). Correctly entered and multiplied you discover the total is 458,377,920. The new fraction becomes 1/458,377,920. This is a 458 million to one chance to win. If you were required to pick the numbers in order just like they are drawn, then these would be the odds against you to win this Pick 5/56 ball lottery game.

Fortunately or unfortunately, you are not required to pick the numbers in the exact order they are drawn. The second step of the formula will reduce the odds, which allows you to match these five winning numbers in any order. In this step you will multiply the number of balls drawn — five (1x2x3x4x5). With calculator in hand you see that the total equals 120.

To give you the right to choose your five matching numbers in any order, you create these odds by dividing 120/417,451,320. You definitely need a calculator for this one. 120/458,377,920 reduces your odds of winning this lottery to 1/3,819,816. These are over 3.5 million to one odds against you of winning this Pick 5/56 ball lottery game.

If this were the Mega Millions Lottery, you need to add the “gold ball” to these five winning drawn balls in order to win the Multi-Million Dollar Jackpot. The single gold ball is calculated as a 1/46 chance of matching it correctly, and since you are drawing just one number it has to be an exact match. Again, you only have that “1” chance to do it right. Now you need to multiply 3,819,816 by 46.

Grab your calculator and do the multiplication. Your final odds against you winning the Mega Millions Jackpot are calculated to be 175,711,536 or clearly stated 175 million, 711 thousand, 5 hundred 36 thirty-six to one (175,711,536 to 1). N

On line casino Reinvestment and Expansion

The Correct Care & Feeding of the Golden Goose
Under the brand-new paradigm of declining fiscal situations throughout a good spectrum involving consumer investing, casinos face a distinctive challenge in handling precisely how they equally maintain success while as well remaining aggressive. These factors are further complicated in the commercial gaming market with increasing tax rates, and inside the Indian gaming sector by means of self imposed contributions for you to tribe general funds, and/or per capita distributions, inside supplement to a rising development in state charged charges.
Determining how a lot to “render unto Caesar, ” even though reserving the particular requisite finances to maintain market share, grow marketplace transmission and improve success, is a daunting task that must be well planned and even executed.
It is inside this context plus the author’s perspective that includes some grade hands-on experience from the development and management of these types of investments, that will this write-up pertains methods in which to approach and prioritize some sort of online casino reinvestment strategy.
Cooked Goose
Although it would look axiomatic never to cook often the goose the fact that lays often the golden ova, it is definitely amazing how minor believed is ?fters instances offered to it has the on-going care and feeding. With the arrival of a brand new casino, developers/tribal councils, buyers & bankers are correctly troubled to be able to reap typically the rewards and a new propensity not to designate a new sufficient amount of the profits towards advantage preservation & enhancement. Thus asking the question of just how much of the profits need to be allocated to reinvestment, together with towards just what goals.
Inasmuch as every single project offers its own particular list of circumstances, there are zero hard and fast rules. For often the most part, many involving the leading commercial online casino operators will not distribute web profits as dividends to their stockholders, nonetheless quite reinvest them around improvements to their existing places while also seeking brand-new locations. Some of these types of programs are also funded by way of additional financial debt instruments and equity stock or share promotions. Often the lowered levy rates with corporate payouts will likely shift the concentration connected with these financing strategies, although still maintaining the core business prudence of on-going reinvestment.
Profit Allocation
As a group, and prior to the particular current fiscal conditions, this publicly placed companies had the internet profit percentage (earnings prior to income income taxes & depreciation) of which lasts 25% of cash flow right after deductions of the yucky revenue taxes and desire payments. On average, almost two thirds of the leftover profits are utilized for reinvestment and tool substitute.
On line casino operations at low yucky gaming taxes rate jurisdictions are more readily capable to reinvest in their particular properties, thereby further maximizing profits that will eventually benefit the tax basic. New Jersey is the good case in point, as that mandates certain reinvestment don, as a revenue stimulating. Other states, such since Illinois plus In using higher effective rates, work the risk of reducing reinvestment that may well eventually erode the potential with the casinos to grow markets request penetrations, especially because neighboring states become even more competitive. In addition, effective administration can generate higher accessible profit with regard to reinvestment, coming from both equally efficient procedures and advantageous borrowing as well as equity choices.
How a good casino business determines to be able to allocate their online casino gains is the vital element in determining its long lasting viability, and should end up being an intrinsic aspect of typically the initial development technique. When short term loan amortization/debt prepayment programs may with first appear desirable and so as to quickly turn out from under the responsibility, they might also deliberately decrease the power to reinvest/expand in a timely base. This specific is as well true for virtually any profit distribution, whether for you to traders or in the particular case of Native indian video games projects, distributions to a tribe’s general fund intended for infrastructure/per capita payments.
In addition, several lenders make the blunder involving requiring excessive personal debt service reserves and area restrictions in reinvestment or further leveraging which will seriously limit a given project’s ability to preserve their competitiveness and/or meet available opportunities.
Whereas we are usually not advocating that all of profits end up being plowed-back in the operation, our company is telling the account of an allowance program that considers this “real” costs associated with sustaining the asset together with making the most of its impact.
Setting up Priorities
There are three necessary areas of capital allowance which should be considered, as proven beneath and in order of concern.
1. Preservation and Substitution
2. Cost Savings
3. Revenue Enhancement/Growth
The first two points are easy enough to take pleasure in, in that that they have a direct impact on maintaining market ranking and improving profitability, whereas, the third is to some degree problematical in that that has more of an indirect affect that demands an understanding of the particular market dynamics and even higher expenditure risk. All of factors that are herewith additional mentioned.
Maintenance & Alternative
Repair & Replacement provisions should be a regular function of the casino’s total annual budget, which usually represents a new fixed hold based with the projected replacement charges of furniture, fixture, tools, building, systems and gardening. Too often however we see total annual wish shows that bear no connection to the true wear & tear of these objects. It is therefore crucial to actually schedule the alternative cycle, allocating funds that do not necessarily have for you to truly be incurred throughout the year connected with accrual. During a start-up interval this may not seem to be needed to spend any money in replacement of company new assets, on the other hand by means of accruing amounts to become set aside for their ultimate taking will avoid possessing to scurry for the money when most needed.
One location of special consideration can be slot machines, whose substitution period has been shortening of late, since more recent games & technology are developing at some sort of better rate, and while the competition requires.
Price Savings
Investment in cost benefits programs & techniques happen to be, by their very dynamics of course, if effectively researched a good much less hazardous use of profit share funding in that case almost any other investment decision. These items can generally take those form of new electricity saving you systems, job saving items, more successful purchasing intermediation, and interest discounts.
These items get their caveats, one of which is to extensively assess their touted savings from your own particular application, as often times the product says are exaggerated. Lease buy-outs and long term debt prepayments could sometimes be advantageous, specially as soon as the obligations were being moved into into in the development stage when money funds may possibly have also been constrained. At these cases it can be important to look on this strategy’s net impact on the bottom series, within contrast with alternative employs of the charges for income enhancing/growth ventures.
One current trend will be the growing interest in cash-less slot systems, which certainly not only provide labor savings for fills, counts in addition to hand-pays, but also function as an aid to people who loathe to haul around individuals cumbersome gold coin buckets, whilst also telling multiple video game usage.
Income Enhancing as well as Growth
Leverage is the key prompt of any revenue enhancing/growth related expense. It contains the next:
o Patronage Base
to Available Funds
um République
o Marketing Clout
um Management Experience
Typically the principal should be to leverage the particular use of the offered tool towards achieving higher earnings & profitability. Typical for example increasing average patronage base spending and extending this effective trading radius, by providing more products/services, such as retailers, entertainment options, recreational/leisure services, overnight lodging, more bistro choices, and of course, expanded video games.
Master Planning
Anticipation associated with potential growth and expansion should be fully included into the project’s preliminary master arranging so as it assure cohesive the usage of the possible factors in a phased-in program, although also allowing to get the least volume of detailed interruption. Unfortunately, it’s not really always possible in order to assume market changes, as a result extension alternatives must be carefully considered.
The Big Photograph
Ahead of embarking on any kind of type of expansion and enhancement program we firmly recommend first stepping as well as assessing the property’s existing positioning relative to often the market and even competing setting. As we have noticed in numerous gaming jurisdictions surrounding the nation, often casino projects that have been running “fat plus happy” intended for a new few years, find them selves in a zero-growth period. Sometimes this is because of to competition stemming from either/both new area spot casinos or territorial spots that have the impact of reducing patronage by peripheral area markets. Additionally, the current customer bottom may become bored with their own experience and are looking for greener pastures. The historical growth of the Algunas Vegas line is testament to the achievement regarding continually “reinventing” oneself.
Our own approach to these industry studies is initially aimed at determining the degree to help which the present facility is penetrating the market in addition to in relationship to the competitive market shares. Generally, that represents an investigation involving the current patronage base in terms of data gleaned in the player traffic monitoring data bottom part, and mailing lists, coupled with day-part, daily, weekly, monthly in addition to seasonal profits trends.
This data is then interfaced together with a great assessment connected with the all round market potential to show the level to which certain market place segments are utilizing the particular facility and the needs it is satisfying. Additional importantly nevertheless, is of which this type of analysis can reveal these market segments that are not using the facility more totally, and why.
Occasion Segmentation
As our proprietary reports have pointed out, casino market segments are segmented by different characteristics regarding occasioned-use of which likewise include things like typical shelling out & visiting patterns. Typically the standard strategies to market measurements, including the law of gravity models, typically only weigh up the demographic characteristics of the given inhabitants, based on gross income obtained in similar markets. Having said that, an occasion segmentation market analysis reveals more precise facts as to the particular reasons precipitating a good gambling establishment visit, how they correspond with the benefits being desired, and the degree to which the occasion determines average spending and visitation rate of recurrence. This type of files mining is far more helpful than gravity which, in that it will also help determine the type of services and even positioning strategies required to entice each market place segment, by way of measuring their own relative share to often the aggregate potential. The procedure offers been effectively employed within often the diner business and other leisure time support industries, especially amid a good widening supply/demand marketplace.
Maybe even more importantly, checking out the market from the occasioned-use perception, reveals often the magnitude plus characteristics regarding the underling competition, that will, in many cases certainly not only contain other internet casinos, but as well alternative enjoyment and spare time activities, these as restaurants, night clubs, movies building, and the like.
Requirement Density
Another important element of occasion segmentation is in measuring entire market place characteristics by day-parts, which is revenue density by simply time of day, moment per week, each week, month to month, and seasonally. This is particularly essential data when online casino spots are seeking to lower almost any higher than normal fluctuations that could be occurring concerning a slow Monday morning and a loaded Wednesday night; or that have serious seasonal variations.
By segmenting markets by their requirement patterns, a better knowing could be acquired of which often amenities might help beef up the fragile demand times, and those that could solely add to the by now maximized peaks.
Many growth programs often make often the mistake of setting up further facilities such as high-end dining places and lodging aspects based on the peak demand durations. As the result, the net impact of expenses & charges for these assets can easily negate any info these people could make to be able to increased gaming revenues. Rather, “fill-in” markets are the nearly all efficient means to rise entire revenues, as many people make the most of current capacities. Algunas Las vegas features achieved fine success in creating strong mid-week action through promotional of its extensive conference/convention services.
Amenity Pushed Marketplaces
Another benefit of utilizing occasion-segmentation is its ability to also indicate the probable influence certain amenities have got about “impelling” visitation. Whilst gravity models examine the casino related spending in all of any given market region, typically the formulas cannot strategy the family member impact connected with any non-gaming driven routines that could however produce casino traffic.
Essential info relating to the population’s occasioned-use of restaurant, amusement, and weekend escapes can often form the basis along which to focus amenities created to cater to these markets; and by and so carrying out, increase visitation. Whereas quite a few of these customers may can utilize often the casino, his or her exposure to the opportunity may well quicken their use, even though as well creating an further earnings center.
Again, aiming to the particular Las Sin city paradigm, even more and more of typically the strip properties are now generating as much, or even more, non-gaming revenues than gaming revenues; as their lodges and restaurants are much less & less subsidized, and even along with their expanding retail elements, represent solid contributors to the bottom line.
Plan Development
After equipped with an elementary knowledge of the market aspect, both in terms of this existing facility’s home market shares/penetration rates in romantic relationship to be able to the competitive mix, plus the overall occasioned-use of often the industry, a matrix can certainly be produced that packages the demand against the present. This function seeks to help identify areas of un-met need opportunities and/or around source, that forms the particular spring-board to the creation of relevant facilities, extension and upgrade standards and also strategies.
Impact Conditions
Basically there are two models connected with expansion/upgrade tactics: subsidized and profit-centers. Subsidized factors can sometimes include introducing and/or increasing features that will more widen existing gaming market penetration/shares, thusly having the direct impact on raising casino revenues; while revenue centers are designed to further control current assistance patterns using additional spending opportunities, and having the in-direct affect on gaming pastime. Although many in the even more traditional amenities, such as dining places, hotels, retail shops, entertainment venues and recreational amenities can fall in to one or both these categories, its important to make the differentiation, so as to plainly set up the design/development requirements.
As has already been formerly discussed, Las Vegas continually seeks to reinvent by itself as a means to increase repeat visitation, that in itself produces some sort of snowballing affect while each and every venue must keep-up having its neighbor. To several extent upgrading plans, of which may include generating a new and fresher look, is a lot like an insurance insurance policy in opposition to slipping revenues, and accomplish not actually associate to be able to any incremental growth for every se. Not to turn out to be wrongly diagnosed for replacement unit applications regarding worn carpeting in addition to slot machine game recycling, an upgrade method should seek in order to create brand new excitement about the service with regard to environment, quality of surface finishes, styles, and overall personal.
Enlargement of existing total capacity can be less a function regarding industry analysis and more a function connected with “making hay while the direct sun light shines, ” based on good understanding of the particular visitation routine densities. Modelo back-ups for gaming placements and diner tables can be both negative and positive, dependent on when they appear and just how often. High each place per day total win takes are definitely not always an indicator of the prospering casino, since they may possibly also mean lost option because of an not sufficient variety of games. Conversely, extra roles are not always going to produce this same averages.
When originally setting up capacities for a new different facility, it is definitely significant to fully evaluate the particular demand patterns within their particular day-part components that can take full advantage of penetration during the optimum periods although minimizing inefficiency – the point in which the costs connected with additional potential is realized by simply it is net income prospective.
Foods & Beverage Conveniences
Within most casino locations, restaurant amenities are “loss management, ” designed in order to maintain & attract on line casino customers with low price ranges and fine value; still they have the opportunity to equally widen occasioned-use with the casino, while likewise that represent possibilities profit centers.
Inside Nevazón, which is the just express where detailed famous F&B departmental operating effects are offered for internet casinos, properties with gaming gross income averaging among $20M for you to $200M exhibited food operations having a new net department loss of one five per cent of income through 2001, versus virtually some sort of 14% loss in 1995.
Much of this major turnaround is due to the particular growth in the number of food items outlets, especially even more upscale/specialty restaurants, which provides sparked sales from twenty percent regarding gaming revenue found in 95 to almost 27% inside 2001. Moreover, food charges have been minimized forcefully from 45% around 1995 to be able to 35% found in ’01.
As the previous debate on occasion-segmentation revealed, a new consumer’s collection of a on line casino visit can sometimes compete with other entertainment/leisure period routines, including dining out. Creating a market relevant restaurant ability inside the casino may serve to attract this dining-out destination market, with the online casino benefiting from their proximity. Therefore whenever market conditions indicate changes in a casino’s eating place setup, the questions to be able to turn out to be addressed are precisely how can they be made to satisfy the latest patronage base, widen occasioned-use, and improve profitability.
Lodgings Components
With turnkey hotel progress costs ranging between $75K to $350K per obtainable room, a market place positioning strategy had much better be well studied. But we see many this sort of projects undertaken with very little understanding of the market dynamics and economic influence.
Nationwide, as outlined by our nearly all recent survey, you will find 724 casinos around the country; comprised of 442 commercial procedures, about half involving which are located inside Nevada, and 282 American native indians gaming venues, of which in turn 209 offer most, in the event not just about all, of Las Vegas type (Class III) games. Roundly 58% involving casinos in the professional game sector have co-located lodges, compared with 37% of Class III Indian gaming venues, even with their containing a comparable common number of games.
The high preponderance of hotels inside the commercial sector owes to some gaming jurisdictions requiring them; including Nevada (for the unrestricted license) and Nj-new jersey. Moreover, much of this Nevada market place demand stems from beyond a new daytrip radius, making instantaneously lodgings necessary in order to be able to gain business. When extrapolating these areas from this total, the percentage of all commercial casinos with lodges drops to 50%, along with a great average of 312 rooms & 1, 183 games.
The obvious rewards of casino lodging systems is their very own ability to help catch the attention of gaming market segments from past the typical day trip radius, while also acquiring a somewhat “captured” market place (Casinos with Hotels). Also, guest rooms can become a further perk-use for gambler membership points. Hotels likewise broaden a casino’s occasioned-use by offering non-gaming leisure routines plus amenities, augmented simply by the completely ready availableness regarding gaming, whilst likewise which represents another earnings center (Hotels with Casinos). Moreover, within a traditional lodging setting, a casino/hotel includes a competing advantage by virtue involving its added entertainment features.
Among the major Todas las Vegas qualities there will be more resort rooms in comparison with games, as the city transits from a game playing destination to help more connected with a resort & lifestyle destination. In so executing these qualities increased his or her hotel productivity and purchase returns by simply not possessing to offer low prices to entice gamers. Although, some parts such as Laughlin and Reno, which in turn conduct not necessarily enjoy the critical mass of the Las Las vegas, now look for it necessary to product his or her hotel room investment together with gambling establishment earnings, due for you to low area rates in addition to large seasonal visitation imbalances
In configuring a new casino hotel growth hence , it is crucial to understand the market place together with financial dynamics and even their impact on overall games revenue plus profits. Within just the free-standing (non-casino) hotel room industry, financing terms and conditions are usually over a new fifteen to twenty calendar year amortization schedule using a good ten year balloon/refinance, and have a break up even level that solutions 65% to 70% guests. Common gambling establishment based places to stay aspects get pleasure from high guests levels within the weekends, nonetheless low levels weekday. That is therefore incumbent definitely not to “build a religious organization for Easter Friday, inch keeping in mind the particular overall productive use connected with the asset.
Moreover, when the intent is to attract further casino patronage by a larger market radius, it is crucial in order to evaluate the cost of any hotel room subsidy versus the potential embrace video gaming profits. The fresh 250 room resort at the gambling establishment already generating twenty, 000 weekend visitors, may only be adding 2% to 4% more players, while exposing itself to higher charges. In regards to occasioned-use, especially amongst tourists together with weekenders, on line casino hotels may also be competitive together with alternative resorts in the region.
Essentially, these types of facilities, as soon as not really situated in markets together with insufficient local/day-trip markets (e. g. Laughlin), should be set up about the schedule of their particular non-gaming related and off-peak period support so seeing as to sustain pertinent area rates and enough level of earnings. They ought to furthermore consist of those amenities these kind of markets are looking for, including, just where applicable: meeting and tradition facilities, and even indoor/outdoor recreational elements.
Even if more of a specialized niche, MOBILE HOME Park facilities happen to be the less intensive purchase in overnight lodging amenities that can nonetheless provide a number of the same benefits. According to the most current information, there are more compared to on the lookout for million people inside the United States of which own RVs, and signify one of just about every five auto owning people. Several of these families include things like the 55 & over age groups, who also experience a over average video games propensity in addition to annual earnings.
RV Park development charges are well below individuals for accommodations, but normally have the high seasonal employ, peaking during the summertime weeks in temperate location environs and in this winter months from the “snowbird” areas.
Retail/Outlet Stores
Retail/Outlet shopping is getting a new major foothold with gambling establishment venues across the nation. First represented by online casino logo shops and some sort of few high-roller/jackpot-winner positioned retailers, these stores have right now produced into major malls plus entertainment centers. Typically the Discussion board Shops at Caesar’s Structure in Las Vegas looks forward to the highest for each square base sales of all retail department stores throughout the U. S., and the growth in retail sales in the area will be substantially outpacing that regarding gaming revenue. The profile of these shops is both the activity to the area’s 35 million annual visitors, who are today wasting less than 5 several hours every day actually video games, as well as a new major profit center that will leverages the visitation base.
In less resort location type markets, outlet department stores are strong traffic generation devices from which a gambling establishment facility can draw soutien. With a smaller scale, gambling dens will widen their occasioned-use by offering distinctive and indigenous browsing that is specifically positioned to attract the “adjunctive” daytripper sector. The magnitude and in all of these kind of stores should be scaled to the potential market place, active visitation trends, plus your local ambiance.
Though fun is a pillar in internet casino environments, stemming from the Verweis Pack days in Las Las vegas, to today’s awe-inspiring concert/arena venues and specialized shows; their market mechanics are really much misunderstood. They are at the same time, diversions, sights, profit facilities, and public connection programs. They can however, also make major deficits, and therefore should be well studied to determine their very own appropriate setup.
With almost all major amusement events developing during the weekend durations typically the enticed audiences may not experience any considerable impact on a likely currently busy period. Therefore it inside of incumbent that the distinct event be structured in order to at least break perhaps or switch a small to medium sized profit. When this really is somewhat self evident, the even more key issue is this leisure venue’s ability to help likewise amortize its primary development cost investment decision. Outdoor services can dramatically reduce development costs, but are usually prone to weather vagaries and even seasonal use. Also, party tents and short-term buildings usually do not really possess the cache of a new fixed place that is an integral part involving the gambling establishment service.
Pastime Facilities
You will find a lot connected with focus these days becoming given to the development of recreational features from casino venues, especially those related with resort projects. Playing golf courses are a commonplace adjunct to many resorts, and even many Indian organizations get pleasure from the advantage of the ability to access the ample land regions and water rights these sorts of undertakings require.
As with each of the other revenue boosting reinvestment alternatives discussed here, pastime facility development will need to be considered inside the wording of its ability to help create additional casino people and serve as some sort of profit middle. Whereas people traditionally have a high gaming proclivity the association of the game of golf with the casino is definitely not specifically within connect, given the length involving time needed for a standard round. Moreover, even under the highest utilization prices, a typical 18 pit golf course will merely allow for with regards to 140 people per day, while domestic average in all year round conditions is about 100 rounds per day. This can be not a lot of more players for the particular casino, even if all connected with them gambled, and in particular thinking about the cost of an average course, eliminating land, ranging between $5M to $15M.
However, golf course development as part of the location package and/or for you to load a local industry demand will surely have quite a few non-gaming related benefits. From a resort development viewpoint, a new golf course as very well as other leisurely elements can add to the facility’s competitive positioning, to help the point where the development/operating costs can become recaptured through higher room rates/green fees. Quite a few conventional playing golf courses furthermore “pencil-out” if incorporating fairway household web-sites, which have some sort of particularly higher worth when compared with non-golf course websites. Granted the trust condition associated with Indian lands, this might be fairly problematical on reservation gets, unless some sort connected with permanent land leases can be discussed for this home owners.
Planning/Financing and Implementation
Once all associated with the significant market aspects have been deemed plus weighted against their very own cost vs. benefits, an in depth reinvestment & expansion plan can certainly begin to take form. A new design & structure workforce should be set up that can help more interpret the program inside terms of artistic in addition to value engineering input, when also maintaining it is established market positioning and fiscal strategies.
Importantly, this software should illustrate how every element will be coordinated in to the overall facility fabric along with the manner in which it will be backed up. Many funding can originate through reserved profit aide, even though others independently financed using additional debt, whoever remittance has been factored straight into the general project’s feasibility examination.

Drug Addiction – Information on Magic Mushrooms

Magic Mushrooms, as they are known, are naturally occurring Fungi which are usually consumed raw or dried and ground up and drank in tea or coffee, and produce hallucinogenic effects. There are many, many different types and varieties of magic mushrooms with varying strengths. Basically the mushrooms free up the imagination to internal or external influences and let it run without bounds, whether the ‘trip’ be pleasurable or a nightmarish experience is almost uncontrollable. It generally takes no longer than an hour for the trip to engage, and can last up to 6 hours. It is like a less intense alternative to the far more dangerous semi-synthetic hallucinogen LSD.

Whilst the long term effects of taking magic mushrooms regularly are somewhat unknown, the biggest problem is their natural availability (they grow in wild grazing fields in or around cow and horse feces). This can be somewhat of an irresistible lure to the thrill seeking mushroom users who’ll go out and collect them on their own thinking every mushroom is consumable. However, not all of these fungi are the desired ones and it can be very difficult to distinguish ones which are or aren’t toxic. Some of these mushrooms are highly poisonous and can kill in a very slow and painful way, for example fever, vomiting and diarrhoea. Some even have a delayed reaction taking days to show any signs or symptoms before taking your life with absolutely no antidote.

Because Magic Mushrooms are naturally occurring and not ‘processed’ in any way before consumption, they are somewhat naively considered a safe drug. Absolutely no drug is safe, and most drugs are naturally occurring or refined from natural plants or fungi anyway. Having said that, they aren’t known as an addictive or heavy drug, nor are they as violent or psychologically damaging as LSD, nor are they socially corroding such as crack or heroin. Depending on the mushroom-users mental predisposition however, mushrooms can have a damaging effect on the user. For instance, if the user is prone to having a fragile mental state or is of a very suggestible nature, they may believe their hallucinations to be the manifestation of something true and become somewhat obsessed with it and damaged by it.

One such documented case of these extremities involved a young man who began taking mushrooms and started having the recurring hallucination of a flower dressed up as a court-jester which repeatedly taunted him with scarring insults. As preposterous as it sounds, without discounting these experiences merely as hallucinations, he believed this abusive-flower to be the manifestation of truths about himself and spiralled into a severe depression. He and his friends admitted he was absolutely fine before taking mushrooms, but somewhere during the course a can of worms was opened for him. Sadly, to this day he still struggles with emotional and mental issues which simply weren’t there before the advent of his life-changing hallucinations. It would be impossible to say for certain in such a case if the mushrooms were responsible for triggering such continuing mental problems, or an underlying mental illness was already present and the mushroom use was inconsequential, but it is always worth bearing in mind.

Craps Bets – Learn the House Advantage For Each

Be smart, play smart, and learn how to play craps the right way!

Knowing the house advantage for each craps bet does more for your bankroll and playing enjoyment than anything else.  Based on house advantages, some bets are considered “good” (they have a relatively low house advantage) and others are considered “bad” (they have a relatively high house advantage).  So, which craps bets are considered “good” and “bad” for the player?  The various craps bets with their house advantages are summarized below.  I consider bets with house advantages of 2% or less as “good,” those with house advantages greater than 4% as “bad,” and those with house advantages between 2% and 4% as “maybe.”  I usually don’t make any of the “maybe” bets, but if you do, you won’t be giving up too much.  Note: “HA” stands for “house advantage.” สมัคบาคาร่า

Don’t Pass, Don’t Come (with single Odds), HA 0.69% = Good bet.

Pass Line, Come (with single Odds), HA 0.85% = Good bet.

Don’t Pass, Don’t Come, HA 1.40% = Good bet.

Pass Line, Come, HA 1.41% = Good bet.

Place 6 or 8, HA 1.52% = Good bet.

Buy 4 or 10 (pay vigorish on win), HA 1.64% = Good bet.

Lay 4 or 10 (pay vig on win), HA 1.64% = Good bet.

Buy 5 or 9 (pay vig on win), HA 1.96% = Good bet.

Lay 5 or 9 (pay vig on win), HA 1.96% = Good bet.

Buy 6 or 8 (pay vig on win), HA 2.22% = Maybe bet.

Lay 6 or 8 (pay vig on win), HA 2.22% = Maybe bet.

Lay 4 or 10 (pay vig up front), HA 2.44% = Maybe bet.

Field (triple for 12 or 2), HA 2.78% = Maybe bet.

Lay 5 or 9 (pay vigorish up front), HA 3.23% = Maybe bet.

Lay 6 or 8 (pay vig up front), HA 4.00% = Maybe bet.

Place 5 or 9, HA 4.00% = Maybe bet.

Buy 4 or 10 (pay vig up front), HA 4.76% = Bad bet.

Buy 5 or 9 (pay vig up front), HA 4.76% = Bad bet.

Buy 6 or 8 (pay vig up front), HA 4.76% = Bad bet.

Field (double for 2 and 12), HA 5.55% = Bad bet.

Place 4 or 10, HA 6.67% = Bad bet.

Big 6 or Big 8, HA 9.09% = Bad bet.

Hard 6 or Hard 8, HA 9.09% = Bad bet.

Any Craps, HA 11.10% = Terrible bet.

3 or 11, HA 11.10% = Terrible bet.

C & E, HA 11.10% = Terrible bet.

Hard 4 or Hard 10, HA 11.10% = Terrible bet.

Hop two ways, HA 11.10% = Terrible bet.

Horn, HA 12.50% = Really stupid bet.

Whirl (World), HA 13.33% = Really stupid bet.

2 or 12, HA 13.89% = Really stupid bet.

Hop one way, HA 13.89% = Really stupid bet.

Any 7, HA 16.67% = Total sucker bet (stop throwing your money away!).

Over 7 or Under 7, HA 16.67% = Total sucker bet (stop throwing your money away!).

It’s important to remember that whether a bet is deemed “good” or “bad” is based on many rolls over time.  In the relatively short blip of time that you stand at the craps table on any particular day, you may experience a hiccup in the normal distribution where even the worst bets hit one right after the other.  For example, suppose you walk up to the table and play your usual conservative game.  The table is ice cold at that specific moment and 10 shooters in a row 7-out.  The whole time you’re losing with your conservative “good” bets, the drunk next to you keeps hitting his “bad” $5 Field bet that only pays double for the 2 and 12.  Be assured, this guy’s hot streak will soon end and then he’ll lose all his money.  You can be sure that time is against him and he’ll most certainly lose.  Maybe not today or tomorrow, but certainly over the next few days.  Always give yourself the best chance of winning by making bets with the lowest house advantage.