How to beat the casinos with their own money - literally

No – you didn’t read the headline incorrectly. With a little patience and discipline you can take advantage of an on-line casino’s generosity and beat them, quite literally, with their own money.

There are hundreds of casinos plying their trade on-line. It’s pretty much a standard feature of every one that they offer new customers a monetary incentive to open an account with them.

These monetary incentives are generally either a:

· fixed amount of money – for example $100

· match bonus – the casino matches the amount of your initial deposit

· percentage amount – they’ll add a percentage amount on top of your initial deposit

Some of the new account incentive offers are very good indeed. Obviously, the casino is adding the money to new account holders not only to attract new business, but they know that the average player will gamble it all away on the tables and keep coming back for more losing much more that the incentive they’ve given the new player.

Sound business sense from the casino – right?

Not necessarily – the clever casino player can turn the tables and the odds in his (or her) favour by playing “perfect blackjack.”

The bonus incentives come with strings attached – the casinos are not silly enough to allow you to withdraw your bonus money straight away – you have to play it through a few times first so you might lose it!

Each casino has its own terms though a typical example is that they may require you to wager the bonus amount say 20 times. So if they’ve given you $100 as a new account bonus you would have to place wagers to the cumulative value of $2000.

By playing “perfect blackjack” you really can walk off with your initial stake intact and a sum on top courtesy of the money the casino have given you.

The house edge (percentage the casino might expect to win) from blackjack variable depending on conditions but generally in the region of 5%. In other words the casino expects to win $5 for every $100 a player bets.

However – by applying basic blackjack strategy (“perfect blackjack”) you can reduce the house edge to 1% or even less.

Now – back to the $100 new account bonus and $2000 wagering requirement example above. You’ve deposited $100 and got your free $100 making $200 in your account. Under the terms of the bonus incentive, you have to wager $2000.

By utilising basic strategy you reduce the house edge to 1% - thus on average you expect to lose 1% over the course of meeting the wagering requirements (2000 hands assuming flat betting $1 per hand). Each hand you play counts towards the wagering requirement.

1% of $2000 is just $20 – you can cash out with Ј180 left in your account. You’ve still got your initial $100 and you’ve taken an extra $80 from the casino literally out of their own pocket. Repeat the process at other casinos and you can rack up a tidy amount of money.

Some casinos even give monthly bonus incentives so you have the opportunity to take their money from the every month!

You won’t win every time – sometimes you’ll bust out and lose, other times you might win more than the above example. But by playing blackjack with the application of basic strategy it is entirely possible to literally beat the casino with their own money.

I personally use this technique and make money doing so. It’s possible that you can do the same – but if you give it a try, please never, never gamble with money you cannot afford to lose.

Good luck at the tables!

The universe of sun signs and their corresponding fresh flowers

If you are anticipating giving the gift of fresh flowers to your lover on her birthday or to your employer on his anniversary then the following list will come in rather handy:

Aries: March 21 - April 20

Flower: You can match the enthusiasm and zeal of Aries with fresh flowers that have the color of passion and symbolize romance like the anything-but-demure red tulip flower. You can make a beautiful bouquet of red tulips and it will dazzle with unbound energy. The red tulip will appeal to your love with bold gestures and display an appreciation of the slightly unexpected.

Taurus: April 21 - may 21

Flower: The Taurus is a strong sun sign and the only flower that will fit the mantle of a Taurean and his/her love for nature’s exotic beauty is the lily. The richness of lily will symbolize the Taurus’s respect for beautiful forms, history, and fragrance that will initiate an indulgence that is romantic and sensual.

Gemini: may 22 - June 21

Flower: Gemini is a sun sign that is full of surprises and hence the best way to greet this sun sign is by giving him a nice surprise like an intricately designed bouquet of roses. Yes! Rose is the flower for Gemini and it symbolizes the true essence of their sun sign. Rose for a Gemini stands for love and companionship. Apart from that, it will be able to convey different types of sentiments depending on the flower’s color. The roses are considered as the perfect match for Gemini’s multi-dimensional or twin sides that can from vary from friendship to passion and from quiet sophistication to a burst of energy and fun.

Cancer: June 22 - July 22

Flower: Cancer the water sign is one of the most generous sun signs among all and the best way to appreciate them is by gifting a bouquet of delphinium. Delphinium, named such because they are dolphin-shaped, symbolizes ardent attachment, an open heart, and a comfortable feeling of levity.

Leo: July 23 - august 22

Flower: One of the strongest sun signs, Leo’s are proud people and the only flower that will complement their desire and personality is the fiery sunflowers. The sunflower captures the confidence as well as the strength of a Leo who is basically a loving spirit.

Virgo: August 23 - September 23

Flower: A practical and intellectual earth sign, the flower that provokes their lighthearted side is the Daisy-like asters.

Libra: September 24 - October 23

Flower: The only flower that complements the true nature of a Libra is the star-shaped hydrangeas. Symbolically, hydrangeas personify a complete balance of the opposites and hence is perfect for the Libra, which is symbolized with balancing scale.

Scorpio: October 24 - November 22

Flower: One of the strongest sun signs and ruled by Pluto, this is a overtly passionate sign and the only flower that can capture the Scorpio’s sensuous side is the lush red peonies. The Peonies have a bold and passionate red color that embodies a deep sense of romance often complementing Scorpio’s sensitivity as well as power.

Sagittarius: November 23 - December 21

Flower: You can capture the Sagittarian’s multiple personalities with an equally complimenting flower which is the carnations. Carnation is associated with many hues of the same personality and symbolizes love, intellect, fascination, and luck.

Capricorn: December 22 - January 20

Flower: The flower the complements the dependable and responsible nature of a Capricorn is the African violets.

Aquarius: January 21 - February 19

Flower: Aquarian’s are known for their intuitive and spiritual characteristics and hence the flower that complements their personality the most is orchids.

Pisces: February 20 - March 20

Flower: The Piscean flower is the Alstroemeria that captures the right mix of generosity, beauty and splendor.

How to navigate on-line pet classifieds and protect yourself

Whether you’re looking to purchase a new pet or advertise pets for sale, the Internet is perfect for seeking out information, reputable breeders and potential pet-buyers. However, with the convenience and vast selection that on-line pet classifieds provide, there also comes the need to check references and ask lots of questions. Keep reading for great tips on how to get the most out of advertising pets for sale or purchasing a pet online.

1. Ask for references

Always ask for references. As a pet buyer, you want to make sure that the breeder from whom you’re purchasing is reputable and known for placing their animals in good homes. Actually call up the references and ask about the breeders follow-up, their health screening and the conditions of their breeding business.

If you’re a breeder and posting a "pets for sale" online classified, then you also want to make sure that your prospective buyer is the kind of person that will love and properly care for the animal. Feel free to ask them for character references or a veterinary reference if they own other animals.

2. Access the online pet/breed community

The Internet offers animal researchers a wealth of animal information, including access to pet communities with forums, image galleries and lots of breed information.

If you’re looking to purchase a new animal (dog, cat, horse, bird, etc) through an online classified ad, try locating an Internet based pet community and joining. Once you’re a member, ask questions, request referrals for quality breeders and solicit advice on your particular breed or species. It’s like a neighborhood meeting, but specifically tailored to your pet questions.

A good pet classifieds site will also include information about different breeds and animals, as well as access to these valuable communities.

3. Ask for a picture

If you’re trying to buy a dog online (or cat, horse, or bird), always ask for pictures or video. Many quality breeders will be happy to provide remote buyers with short video footage of the prospective puppy playing and interacting with his brood.

If the animal is being sold as a purebred or as having been born from registered parents, ask for scans of the parental registration along with all the paperwork. Feel free to phone up the appropriate club or registration association to confirm the information.

4. Ask questions

If you’re trying to sell an animal online through pet classifieds, don’t be afraid to ask the prospective buyer questions. You want to make sure your prized horse, puppy, bird or kitten is going to a good home, so don’t hesitate to ask about yard size or living conditions.

Buyers, the person selling you the animal should also be willing and ready to answer questions about everything from specific breed requirements to feed suggestions to how they house and care for their animals.

Remember, the Internet is a great opportunity to get in touch with qualified breeders and buyers all over the world, but with that potential comes a certain amount of responsibility. So, get documentation, ask questions, get references and access your online pet community.

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Affordable individual health insurance - how to control your own insurance costs

The need for affordable individual health insurance is becoming more prevalent because of the rising numbers of self-employed. Entrepreneurs are changing the landscape. Home-based businesses are growing at a phenomenal pace. The enormous growth of small business has generated a greater demand for individual health insurance. This is a first time experience for many of these new start-ups. Group health insurance is provided by the employer. The employee that is enrolled in the company group health insurance plan rarely examines the coverage or the cost. This changes dramatically when they are forced into purchasing their own individual plan.

COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985) guarantees a continuance of coverage when you leave your employer. This coverage is made available for 18 months after you leave. You have a 60-day window after termination of employment to shop for your own individual health plan. This window of time is critical to the insurance shopping process. If you have any thought of leaving your employer then it is imperative that you investigate the availability of individual health insurance.

Individual health insurance is medically underwritten. That means that the insurance company will gather all applicable medical information on you and or your family to determine if they can offer you an individual plan. Pre-existing conditions are often eliminated and in some instances coverage can be denied.

Things to consider:

1. Health – Do not presume that you or any of your family is Insurable. There may be certain pre-existing conditions that are covered by some companies and excluded by others.

2. Self-Insuring – The higher deductible that you elect will decrease your premium dramatically. This is called self-insuring. Some companies have deductibles that go as high as thousands.

3. Insurance Company – There are many reliable insurance companies in the health insurance industry use their quotes to compare coverage.

We have done the research so you don't have to. Please see our recommended source for insurance quotes online.

The red sea in egypt for scuba diving

For many Europeans, traveling to the Red Sea for scuba diving is like many North Americans going to the Caribbean. For a scuba diver based in North America or anywhere else outside of Europe or Africa, a journey to the Red Sea is considered one of the more exotic scuba diving trips. Like other overseas travel, getting to the final destination is the hardest thing. The Red Sea can be dived from ports in both Egypt and Israel but most international scuba divers do so from the Egyptian side. There are two major scuba diving areas in Egypt, Sharm El Sheikh and Hurghada. Sharm El Sheikh at the northern part of the Red Sea is the more established center having been a popular vacation resort area as both Egyptians and Europeans have been vacationing here for many years. The local scuba dive industry grew along with the overall steady growth of classy resorts, shops and other tourist services in Sharm El Sheikh. Hurghada, once just a sleepy fishing village along the west side of the Red Sea, is starting to grow as scuba divers discover this alternative to Sharm El Sheikh.

More than likely, travelers going to either Sharm El Sheikh or Hurghada will have to fly to Cairo before connecting with Egypt Air or taking a bus to their final destination. Many scuba divers turn their Red Sea diving trip into a major extended holiday in order to both dive and see the many wonderful ancient Egyptian sites such as the pyramids. There are many things to see and do in Egypt in addition to the ancient ruins including museums, markets and Nile river cruises. So it is highly recommended to do some research and plan accordingly for any trip to Egypt as one would not want to run into the situation where not enough time was allocated to see everything one wants to see there in addition to scuba diving.

Many of the scuba operators in Sharm El Sheikh are affiliated or close by to a hotel resort. Most of the dive shops are actually owned and staffed by Europeans working in Egypt. This is similar to the situation in the Caribbean where many of the scuba operators there are American owned. The Red Sea has a higher salt content than Caribbean waters so it is recommended to add 4 to 5 more pounds to the amount of weight divers usually use. Like most European diving, the scuba community here in Egypt uses the metric system so weights will be in kilos while air pressure will be in bars. Most dive computers should be able to display both metric and imperial systems.

Many scuba operators in Sharm El Sheikh use a very interesting system for scuba tanks. Rather than using their own tanks, their dive boats go to a common central barge anchored in the harbor. This is where all the scuba tanks are supplied from and the dive boats collect the number of tanks they need for day’s dive trips. At the end of the trips, used tanks are dropped off at the same barge before heading back to port.

The majority of the dives in the Red Sea are semi drift dives where the dive boats drop off divers at the dive sites and then pick them up afterwards. One very different aspect of the Red Sea compared to other dive destinations in the world is that the coral reefs here can extend up to very shallow depths. As a result, the standard safety stops at 15 feet are done drifting among many of these sloping reefs along with the accompanying marine life. Therefore, these are some of the most scenic safety stops scuba divers will ever do. This is certainly different from the usual bland safety stop in the Caribbean. One thing to note is that the maximum allowable depth for recreational scuba divers in Egypt is 30 meters which is about 90 feet.

As expected, the marine life in the Red Sea is spectacular. There are many species of fish, crustaceans and marine plant life here that are not found in the Caribbean. In fact, many of them are indigenous to the Red Sea only. While lionfish can be extremely rare sightings elsewhere, they are quite abundant in the Red Sea which is a real treat for scuba divers. It is also not unusual to jump in the water to be among a large school of tuna or other fish. Many night divers will see coral reefs here to be more spectacular than in the Caribbean.

For many scuba divers, the Red Sea is one of those ‘must dive at least once in a lifetime’ destinations. It is a very unique place to dive especially with the desert background visible from the dive boats. The excellent diving with the many awesome sights of Egypt make the Red Sea a dream dive trip for any scuba diver.

5 reasons to not let depression control you anymore

Family – It can be very vexing to loved one’s when you are depressed. On one hand they want nothing but the best for you, but on the other they sometimes get frustrated and wonder why you can’t simply snap out of it. It can be particularly hard on children of someone with depression as it may affect their outlook on life for many years to come. Having experienced this myself, I can say definitely this the number one reason to fight your depression.

Work - Work life generally suffers when in the throws of depression. It is more difficult to concentrate and not as easy to create and maintain good professional working relationships and partnerships. Furthermore, it makes being a “Self-starter” more unlikely. Rather than moving forward, maintaining the status-quo becomes more acceptable, even if only unconsciously.

Love – The love life of a person with depression can suffer tremendously. Regardless of How much someone may profess their dedication to another person, if the other person can never see the bright side, it can wear on them. Life is short, right? Love conquers A WHOLE LOT, but it doesn’t conquer everything. Sometimes we must add internal fortitude to love to truly be invincible. Besides isn’t it better to fight, not just for you, but for this person that you love as well?

Health – University studies have proven that people who are depressed are more likely to get sick, and more likely to die of an illness than those who are content. It is in your benefit, health wise, to fight your depression as well. A recent New York Times article, citing a University study, indicated that persons who have been diagnosed as depressed have more hospital visits, and a shorter lifespan.

Prosperity – The depressed person sometimes lacks clarity of thought, and may miss golden opportunities to improve their lives if only they had been paying attention. This may be, perhaps, the most important point, since many people believe they would be happier if only this part of their life, or that part of their life, etc was different. Allowing good things to happen in your life might just give you the jump start needed to end the cycle of depression and self imposed-isolation( even if only figuratively ).

Fighting depression can help your life in many ways. In some ways, the fight in itself is also a reward. You become stronger, do better at work, have better relationships, and can focus on what is really important in life so that you can improve it, for yourself, your family, friends, and loved ones.