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Low risk fixed income investments

low riskIf you have made good profits playing online poker or through other means, you should save a part of it in a low-risk vehicle so that it is still there when you retire.

High risk investments are exactly as the name implies, very risky. Yet they also have the potential to payback large earnings if purchased and sold correctly. High-risk investments require that the trader be very smart and learn the right timing involved for buying and then selling those stocks.

Conversely, low-risk investments carry little or no risk and are typically held onto for the long term. Additionally, low risk investments produce smaller yields but they do display steady growth patterns.

What types of investments are considered low-risk?

There are six types of investments which we have categorized as being low-risk fixed income investments and should be considered for your investment portfolio. These include bonds, CD’s (Certificates of Deposit), ETF’s (Exchange Traded Funds), real estate, standard passbook savings accounts, and US savings bonds.

Bonds – these are considered to be one of the less risky ways of investing in a business because should the company fail and declare bankruptcy, the corporation must attempt to pay off its lenders first. When purchasing bonds, you are basically lending your money to a corporation. In return for lending that business the money, you are paid dividends or a set rate of interest.

CD’s – CD’s can be held for as short a time period as 90 days up to 5 years. You are investing your money into an account that is going to pay you back at a rate of interest that is agreed upon prior to opening the account.

ETF’s – although these are viewed as stock funds, they are considerably less risky so they are considered a viable type of low-risk investment. Additionally, ETF’s track the three major stock indexes – the DOW, NASDAQ, and the S&P 500.

Real estate – purchasing a home or property has always been considered to be a very wise low-risk investment and has been for decades. For all intensive purposes, real estate is one of the most practical and safest ways to invest your money.

Standard passbook savings accounts – despite the fact that interest rates have slightly rebounded from all-time lows, this is still one of the safest ways to invest your money. Plus, your funds are insured by the FDIC (Federal Deposit Insurance Corporation) for up to $250,000 per depositor.

US savings bonds – considered as another low-risk, safe investment and are issued by the US Treasury. Just like with CD’s or savings accounts, the money you invest is protected by the Federal Government.

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Thursday, March 7th, 2013 online gambling Comments Off

Online Flash casinos

Online Flash casinos give a new look to playing casino games!

Online flash casinos have taken the internet gambling market by storm, and so they may in full force subdue physical casinos to a position of second role. Contrarily to the earlier systems, if you wanted to play any game of chance, you would have to download and install the software and then play from the client as the user interface is called.

This method apparently consumed a lot of time, and it did not matter whatsoever what the internet connection speed could be. Then if your hard disk is not compatible with the required space, it is again a big problem. So what is the surefire way out of this problem? Well, the answer is simple, take cue of no-download casinos such as William Hill and you will be free of these usual hassles. The no-download casinos do not require any storage space and you can actually play a casino game directly from the site through your browser.

This Flash mode is loved by most modern generation players in there too busy routine life where none has so much time to download the game first and then play. So, now it’s just very simple, select a particular casino site, sign up and spend the total available time for a fun-filled playing enjoyment.

Online flash casinos also work out the technical incompatibility of some users. For example, a user having Windows operating system could only be sociable with the download able casino games, while the users having other operating systems have to be compatible with certain extra facilities for the online playing to be available. Hardly few users ever need Plug-in for Flash viewing. It is freely downloadable from the Macro media website yet, in general, it is already installed in your computer when it is shipped to you.

Online flash casino games are played both as a way to experience fun or thrill and/or earning real bucks for some of the most savvy players. Thanks to modern technology for such a drop-dead invention and progress does not stop for players who love online gaming!

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Friday, May 11th, 2012 online gambling Comments Off

The rise of mobile gaming

Mobile phones, iphones and all sorts of smart phones are now becoming as popular as tattoos, even though they were rarely seen a few years ago. Now they are all over the place, I mean the smart phones, and the tattoos too by the way. This is a true revolution for how people communicate and behave socially and one industry that is shaken by it is online gaming. Yes online gambling was a revolution from brick and mortar casino entertainment, and now the new wave is mobile gambling.

So if you like to play blackjack online or online roulette or many other fun games, then now you can play them almost anywhere as long as you get a signal to your iphone or mobile device. In other words in most urban areas in the developed world and in some in developing countries too. Most airports have free wifi, so even if you are traveling in some remote areas of the world such as the Tonga Islands for example (recommended by the way), then chances are you will be able to play a few hands against the blackjack dealer at some point during your trip and hit a few twenty-ones.

This is still a revolution in progress so do not expect to get all the convenience for playing games that you are used to from your computer. First of all there are less games available. Most online casinos offer ten to twenty games for now as they are working on developing these applications. Roulette, Blackjack as well as some slot machines are the games first offered. Also note that UK online casinos are ahead of the game compared to US online casinos as the latter are struggling with the difficulties of running their business stemming from the infamous UIGEA anti-gambling law.

Online poker rooms also offer a mobile format, but if you are serious about the game of Texas Hold’em, use this sparingly for the entertainment value only. First of all you cannot multi-table and most serious players do. Also you will probably get distracted when you are using your smart phone on the road, and poker requires concentration. But for all other casino games, this will be a lot of fun. So try mobile gambling today.

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Monday, June 20th, 2011 online gambling Comments Off

Selecting the right poker games

How to select the right game at online poker

It is important to be in the right poker games for you. The games where you are comfortable and where you can earn good money.

Select the games that allow you to play your way, but give you the best chance to win. Here are a few pointers to find the right games:

  • The lowest limits you can tolerate:
  • The smallest antes or blinds.
  • Lots of loose-passive players.
  • No more than one loose-aggressive player.
  • A large pool of players.
  • A full table.

Why low limits and small antes or blinds? Generally, the lower the limits, the weaker the players. In the smallest games many players are loose and passive. In addition, most of them will not recognize your style or exploit your predictability, but the better players in the larger games will quickly identify and adjust to your style, turning you from a winner into a loser.

The ratio of antes to bets also favors you in the smallest stud games, but works against you in the larger ones. You are virtually unbeatable at the smallest stud games because there are no antes (or trivial ones), and the players are so loose. The one negative in the smaller games is that the rake is relatively high, but you still have the edge in them. Unless you play at some micro-limits games without rake.

As the game gets larger, the antes become a larger fraction of the bets, and the players get tighter and better. These changes cause your style to shift slowly from an asset, to neutral, to a liability.

The same process occurs more slowly in hold ‘em because the blinds are always about the same percentages of the bets.

A good idea is to play at an online poker room that has a lot of traffic and attracts plenty of new players with their promotions. This way you are guaranteed to find loose or new players who make mistakes while playing poker.

In this respect, the largest poker room pokerstars has plenty of small fish. Use a pokerstars bonus code 2014 in order to qualify for their 100% bonus up to $600. That is a cool incentive to boost your bankroll when you sign up.

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Sunday, May 2nd, 2010 online poker Comments Off

The Full Tilt saga

After more than one year of equivocation, it seems that the end is near for the Full Tilt saga.

Indeed official rumors have been circulating for a few days indicating that the site will be back online before the end of the year, probably next month.

Pokerstars the new owner of FT poker is actively recruiting key staff in preparation for the relaunch. All pundits are waiting for that day to see if the site can regain its former glory. But this should be an uphill battle.

On one hand thousands if not millions of players have been unable to access their cash balance for more than one year. It is expected that once they get their money back (normally in the next few weeks), many will take their cash and run. Just because they have been upset with the Full Tilt fiasco for such a long time, waiting for this moment. But others may choose to stay if the traffic is reasonable.

The positive aspect is that Full Tilt will be run by pokerstars, and as the current global leader of online poker they have demonstrated that when it comes to deliver and please their players, there are second to none. So some players may think that the new Full Tilt will be well managed as far as players’ balances are concerned, and decide to stay. Given that pokerstars was able to convince the US Department of Justice to take the company over, despite being indicted themselves, this is a big confidence boost for the public, no doubt.

And new players may deposit too, simply because now there is practically no risk at all for their poker bankroll to get in some sort of trouble. After all pokerstars reimbursed all their US players just a few weeks after Black Friday.

Two of the unique features at Full Tilt were their software and their pro team. Regarding the former, it is still one of the best online poker software on the market, so reintroducing it as such will be a major attraction. In respect to the pros, pokerstars will probably not renew any contract, but they may decide to rehire a few of them. And some high stake players may want to sit at some of the nosebleed tables, just for the nostalgia of it.

The Full Tilt saga is almost over but not yet. Keep posted as this story will keep on filling the gossip columns to the foreseeable future.

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Sunday, September 16th, 2012 online poker Comments Off

Gambling SEO

Poker SEO and casino SEO are getting harder. Reaching page one on Google or Bing for a gambling site is hard for any competitive and profitable query. And it is going to get even harder.

The reason is simple: there are only ten spots available for natural free rankings on page one (which gets most of the traffic), but the number of competitors keeps on increasing. Market participants are getting more and more knowledgeable about SEO, so what was enough two years ago to land on the prime page one will not make the cut today and even less tomorrow. As webmasters have more content, more links, more know-how and more experience, and more SEO companies offer such services to the online gambling community, this is only going to get tougher.

So the only way to maintain or gain top rankings is by using top gambling SEO methods and by working harder and smarter then the competition. SEO is an art and a science. An art because it is based on a lot of empirical evidence and creativity is often what makes the difference between page one and page two. A science because the people with a scientific mind and scientific tools have an advantage over other folks who lack them. “In the land of the blind, the one-eyed man is king.”

Absolutety. Because search engines do not reveal the secrets of their algorithms, no one knows for sure the best way to rank at the top of the SERPs. Even within Google, only a handful of people have access to the entire code, and it is so complex anyway that they cannot know everything about it at one single point. So almost everyone is blind to how the page one results are produced, but the best SEO practitioners are the ones who can see enough to reap the fortunes available to savvy poker or casino webmasters.

The beauty of poker SEO is that there are so many misconceptions and myths which do not seem to disappear. The good news for some is that the webmasters who have such flawed understanding of SEO are doing something wrong, which gives others a competitive advantage. As in Davis Sklansky’s ‘Theory of Poker’, the fundamental theorem of poker says that each time you could play with more knowledge than your opponents, you have positive expected value. This is true in poker SEO as well. Each time you know more or better than other webmasters, you have gained.

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Saturday, February 4th, 2012 online gambling Comments Off

Carbon back in USA

In an interesting move in online gambling, Carbon Poker just announced that they are welcoming American players again. This new development occurs exactly six months after the US Government started to indict online gaming operators believed to be breaking online gambling laws while offering real money poker games to US based players.

Five operators were banned at the time (pokerstars, full tilt poker, absolute poker, UB Poker and Doyle’s Room), but smaller ones such as Carbon Poker were not accused of any wrong doing. One question is why.

Is it because the DOJ chose to focus on the bigger players and did not build a case against Carbon? Is it because Carbon Poker did not break the law (this seems hard to believe as the law practically forbids any form of gambling related fund transfer through the banking system). Or is it because they cannot at this time find any evidence proving their point (as the April indictment were possible thanks to an insider’s revelations).

Is it hard to tell, but if Carbon Poker has decided to come back, they must strongly believe that it is safe for them. Anyway this is a great news for American online poker players who now have one more option to play their favorite card game on the Web.

Unfortunately all current poker rooms participating in the US market are rather small, compared to the rooms that were shut down such as Pokerstars. These rooms offer good micro-limit or low-limit games, but high stake games have totally disappeared in America as well as large tournaments. So all pros for the most part cannot do much at this time, and their only choice if they want to continue their profession is to move to another country. And some do, to Canada, Costa Rica or Europe.

When will US online poker get finally properly regulated, that is the one million dollar question. And it is not expected to be happening until next year or maybe 2012. Congress should move a bit faster as the major benefit of such a new law would be to raise well needed taxes in a time of double dip recession. This will also create new jobs. So if France or Italy can regulate their own online gambling markets, it is time for the USA to do the same, is it not?

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Saturday, October 15th, 2011 online gambling Comments Off

Tricky poker

Often the hand you get in Texas Holdem Poker determines how you should play it.

If you have A-rag suited on a board A-rags with two cards of your suit giving you the nuts flush draw, you have flopped a monster. Technically, you only have a weak ace if the hand was to go to showdown without catching anything else, but this type of hand is the perfect spot that you can choose how to play it, making your opponent believe that you flopped strong, flopped weak, protecting your hand or just flopped and ace.

Out of position you can check-raise the flop, which looks very strong. Though you only have one pair on the flop, the draw makes this hand the statistical favorite over many hands and you can play it aggressively, knowing you have many outs. Often a check-raise will take the pot down.

Betting out on this flop is deceptive as well as your opponents do not expect you to show strength with a drawing hand. They would think that you are protecting a hand like a medium to strong top pair or two pairs. This line might lead to extra value later in the hand if you hit your draw, then check to feign weakness, like you are afraid of the draw hitting someone.

Some the ABC way is the trickiest way. Say you call out of position with a pair or sevens. And the flop is 47Q rainbow. An opponent checks over to you or bets with a queen and you raise. On a dry textured board like that, he would never put you on a set as he figures you would slow play such a monster on such a flop.

One favorite move used by the pros is to three-bet shove pre flop with a monster. As online players love to three-bet late position raisers from the blinds, this is very deceptive. You are likely to get called with hands such as 99 and better. As your opponent would be thinking that you would not be betting that much if you wanted a caller. Reverse psychology!

Add these plays to your game to mix it up and the table will fear you.

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Friday, March 25th, 2011 online poker Comments Off

Hall of fame for Jennifer Harman


The process that would select appropriate women that are associated with poker for the Women in Poker Hall of Fame began in April 2010. The completion of the selections has come and now there will be three women that were inducted into the Hall of Fame. A glamorous ceremony was held at the Golden Nugget Casino for the women being inducted on September 3.

Billie Brown (deceased) is the first of the women inductees and she is being awarded this honor posthumously. Billie Brown might be unknown to the young crowds of poker today however in the 1980’s she pioneered the marketing of poker tournaments in Las Vegas. Billie Brown created the concept of a guaranteed prize pool and also created the California State Ladies Poker Championship.

The second player to be inducted will be Kathy Liebert. Kathy is well known in poker circles around the world however she wouldn’t exactly fit into the category of “poker babes”. With tournaments winnings of above 5.7 Million Kathy has won more than any other woman. Her record includes 7 World Poker Tour final tables, 1 World Poker Tour win, 1 World Series of Poker bracelet, and she was the first woman to ever win one million dollars in a single tournament.

Jennifer Harman is the third inductee and unlike Kathy Jennifer Harman can be considered a definite poker babe.

Jennifer Harman’s poker achievements include 2 World Series of Poker bracelets, 3 World Poker Tour final tables, and 2.6 Million in tournament winnings. Jennifer Harman regularly participates in some of the biggest high-stakes live cash games in Vegas, and she wins. What the poker fans love about Jennifer Harman is her acts that solidify her as a poker babe. Jennifer Harman most recently flashed some cleavage to get into the World Series of Poker Tournament of Champions and she did not disappoint with her performance by cashing in the event.

Jennifer Harman’s regular Twitter messages haven’t revealed any reaction to the cleavage flashing news. Her most recent message on Aug 3 stated ““Hanging out in Italy with the husband, a lot of beach time.” After the news of being inducted into the hall of fame Jennifer Harman deserves some privacy and rest. The congratulating can begin when Jennifer Harman arrives back from her vacation well rested and tanned.

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Sunday, September 26th, 2010 las vegas Comments Off

Reading opponents in PLO

This is a post about Pot Limit Omaha strategy. This game is known to have even more variance than NLHE. This means that you can lose or win a lot of money very fast. Winning money is possible, and one of the keys is to understand each one of your opponents.

What are the things to look for in the other players at the table? Here is a list of the things I consider when I play PLO:

Consistency of betting amounts. How does he vary his bet size? If this player usually pot bets, but sometimes he bets less at the flop such as 60 or 80% of the pot, make sure to take a note if there is a showdown. Does he bet less with monsters, or does he bet less with his draws?

Pre flop raising requirements. At one extreme there are the players who never raise. Rare but highly valuable if you find one, as they let you limp with a wide range of hole cards. Another fish type is the player who only raises with KK or AA, as they do not raise more valuable hands preflop such as KQT9 double suited.

Limping in multi way pots. With what hands does he enter such pot before the flop? You should love to spot players who limp with weak hands such as middle pair only or middle suited cards. Very often he will put all of his chips in the middle with bottom set or a queen high flush.

Flop betting range. Does he play his strong draws aggressively or does he prefer to get a free card? Does he bet with top pair, two pairs, or does he need at least middle set to open bet at the flop? Some aggressive players always play fast as a continuation bet if they raised before the flop. Some of them are Texas Hold ‘em players who have not yet adapted their c-betting frequency, make sure to keep a note of that.

The nuts factor. How close does he have to be to the nuts to put his whole stack in the middle? As before make sure to look at the showdowns to keep track of how prudent or imprudent he is. Rock types only shove with the near-nuts, while other looser players do not hesitate to do it with the third or even fourth nut flush or with top straight when there is a pair on the board.

If you can pay attention to all above factors, you have a nice summary of each PLO player at your table. You need to do that to beat them and take their money.

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Monday, July 26th, 2010 online poker Comments Off

How much to bet

I see a lot of players who are rather new to online poker and come to me and ask me the same question all the time. How much should I bet and when should I bet.

There’s definitely no exact answer and there’s a lot of great players who bet a lot of different ways. In poker like in most games you must develop your own style that you feel comfortable with and build up from there. In online poker the rule number one is to be aggressive, so the answer to the question when you should bet is as often as possible. Practice and see for yourself your comfort level, but do not fall in the trap of playing passively, a sure recipe for not making money.

As for how much to bet, here are some basic guidelines that can help you develop your betting style.

Try to bet according to the size of the pot. I often bet somewhere around 2/3 of the pot, this is my benchmark. Around this level, I may bet more or less depending on the circumstance. For example if I know my opponent is very aggressive I may start my betting at a lower level, such as 60% of the pot. Or if there is an obvious draw, I may bet 100% of the pot or even 125% (overbetting) sometimes so that calling with that draw is a clear bad play.

Adjust your bet sizes when the blinds get high. It is usually not advised to min-raise pre flop, but once the blinds are expensive in a large multi-player tournament, it can actually be a fairly large raise, sufficient to produce its result.

Make your bet size consistent. If you make the same size bets and raises, with good hands, bad hands, bluffs, you will be much harder to read. What the top poker pros do is that they will change their bet size depending on their position, not on the strength of their hand. Bet more early to discourage callers who will have the positional advantage over you post flop, but bet less in late position as you can open-bet with weaker hands and use position to your own advantage.

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Tuesday, June 22nd, 2010 online poker Comments Off