What's the Best Way to Make Money at the Dog Track?

Success at the dog track is measured by how much money you make. It's as simple as that. If you walk out with less money than you walked in with, you have a problem. If you walk out with more money than you walked in with, on a regular basis, you're a winner. Of course, we all have our losing days, but you need more winning days than losing ones.

So, what's the best way to make sure that your bankroll grows rather than shrinks? While there are a lot of different ways to handicap greyhounds, I think that there's only one way for most people to get to where they can make money at the track almost every time they go. You do it by starting small and building up to making bigger bets.

Your instinct might be to make big, complicated bets - wheeling and keying dogs in trifectas and superfectas. Unless you have very deep pockets, phenomenal luck and fantastic handicapping skills, you'll lose your shirt. Instead, here's the best way to win money and keep more of it at the dog track.

Start with win bets. Find the best dog in a race and bet it to win. Use a good handicapping system and don't bet too many bets on a program. Betting every race is the quickest way I know to empty your pockets and get discouraged. However, DO handicap every race. Play the ones you're surest of and just watch the rest and see if your pick wins.

No one can pick a winner in every race, I don't care how good they are at picking dogs. On a program with 10 races, the average beginner should bet no more than 3-4 dogs. Do that until you're hitting enough so that you're ahead on almost every program. It's very important to keep good, written records of your picks. No changing your mind after the race because you would have picked a dog. Be honest with yourself and keep track of your wins.

When you get to where you're picking enough winners to make a profit on them on a regular basis, increase the amount of your win bets. That's all there is to making a consistent profit at the track. Once you've mastered this, you can go on to quinielas, trifectas and even superfectas. But until you develop your handicapping skills, stick with small win bets on a few races. It's very hard to do, but worth it in the long run.

Online Casinos Vs Land Casinos

Online casino games are brilliant invention that completely transformed the field of gambling. They enable people to gamble with less commitment of time, money and inconvenience than before. Comparing online casino with land casino is like comparing apples and oranges, each appealing to different aspects of a player's game. Let's take a look at the advantages and disadvantages of online casino games as compared to the land-based casino.

The Surroundings: there is great fun and excitement playing casino games at the actual casino, but when it comes down to what important to the casinos - gambling the casino atmosphere is trying to dissolve and distract you ... from your money. In land casino you are competing not only against the dealers and other players but also the casino crowd that watch your every move. One more disadvantages start with the trip to the casino. Depending on where you live, you may have to drive for several hours, or fly, just to get there., On the other hand, when you choose an online casino, you remain in control. An online casino can not outdo you in the comfort of your own home. You do not have to travel; you do not even have to get dressed. There is something liberating and thrilling about knowing that any casino game that you could possibly want to play is available at your fingertips.

Money !! In land casino you buy chips with real money; in an online casino you will create a casino account and transfer funds into it. The fundamental difference however in an online casino you know how much money you have at all times. The chips are only used for bets and the entire thing is not as puzzling as it would be in a land casino.
The most important thing is that online casino will let you play free, in a land-based casino you can not enter and play practice games before you start betting any real money, but at online casino. No problem! Play as many free games as you want. Try new games that you are not sure about. Practice your game strategy. Play until you feel comfortable with the game and confident that you understand all the rules and secure with your strategy. In an online casino, you can play all the games for free, for as long as you want. Then, you can gamble real money only when you decide that you want to.

Are the games really different? In roulette, for example, there is a difference in the experience of clicking the Spin button in an online roulette game and the experience of watching the croupier spin a real roulette ball around a real roulette wheel. But besides that different, the game is the same. When you play roulette online, you play with a Random Number Generator that is programmed so that, over the long run, each roulette number will hit 1 out of 38 times, just like on a real roulette wheel. So the differences between them are really a matter of preference and taste more than any significant differences in the game play itself.

In slot machines, the similarities are even more striking. In the land-based casinos the slots are not mechanical "one-armed bandits" anymore. The computerized slot machines you would play in a land casino are exactly the same as the computerized slot machines you would play in an online casino. The only difference is that when you play slots online you are playing from the comfort of your own home, and you can get up and take break without losing your place at your favorite slot machine.

Security and privacy: there is no dress code in an online casino, an online casino will not try to film or picture you. You can play games in an online casino while wearing boxers and flip-flops. And you can do it with beer in your hand, a cigarette or whatever is it that you prefer. Play as much as you want and win as much as you want. Nobody is going to kick you out you can have full trust on online casino.

No one has the option to cheat you with the game. Online casinos have the latest state of the art encryption technologies to protect the players' privacy. With the emerging techniques and security proofed software you can have full trust on online casino. When entering an online casino, you should read their privacy statement! The security technologies that online casinos employ are designed to protect the player because he is the most valuable asset of online casinos.

Competition! Running a land casino is much more expensive than an online casino. That means there are more online casinos and more online casinos means competition between the Internet casino houses. This competition means better service and more fun for you. Choice means you can stick to what you like, find an online casino that offers the best as it suits you - the player - and if you did not like the experience, just dump them and Try another online casino.

Student Loan Consolidation - Best Tips For Reducing Loan Payments

College graduates know how hard they worked to get through school: they deal with the pressure to choose the right major, the long study hours ... aand the responsibility to pay for it all. It is no wonder that graduates consistently feel a sense of pride and achievement as they receive their diplomas on graduation day.

Of course, with graduation comes more responsibility: finding employment, finding a place to live, and trying to carve out a life for oneself. For graduates who funded most or all of their education with student loans, they are faced with the added level of responsibility of repaying those loans.

Many people with college or graduate school degrees have had to take out multiple loans over the course of their education. This means that they are now faced with having to repay different lenders, with different bills due through the month. Managing all of it can be complex.

Another challenge is that the monthly payments can be overwhelming. For people in their 20s and 30s, in particular, cash is often tight. They can find themselves barely able to make ends meet - even before they factor in their student loan payments

For graduates who still have multiple student loans and are having trouble making their monthly payments, student loan consolidation can be an excellent solution.

Why You Should Consider Student Loan Consolidation

The benefits of student loan consolidation are many. For one, you are usually able to get a consolidation loan with longer repayment terms than the loans you have now. This means that you can stretch your payments out over more years, thereby reducing the amount of those payments each month.

Another benefit is that consolidating your loans gives you the opportunity to lock in a fixed interest rate. For federal consolidation loans, your interest rate will simply be the weighted average of those of your existing loans. For private consolidation loans, the rate will be determined by a combination of some standard rate (like the prime rate) and your credit score. Either way, having a fixed interest rate can give you peace of mind.

Finally, there is the added benefit that you are able to simplify the financial part of your life by only having to make a single payment to a single lender each month.

Student Loan Consolidation: Best Tips For Reducing Loan Payments

If you are considering student loan consolidation, here are the 5 best tips for reducing your monthly payments:

1. Know your credit score: Always research your credit score with all three of the major bureaus, since your score may vary from one to the next. (Note: for federal consolidation, skip this step as your credit score will not factor into your interest rate).

2. Take an accounting of all of your current loans: List out all of your current loans by lender name, amount of outstanding principal, and interest rate.

3. Decide how much you would like your monthly payments to be: If you opt for a longer repayment period of say 20 or 30 years, you can reduce your payments. But, of course, doing so will also increase the total cost of your loan.

4. For private loans, be sure to compare multiple lenders: More choices is always good when it comes to loans. Apply to 5 or more private consolidation lenders to increase your chances of getting the best deal.

5. Do not take the first offer you receive: No matter how good the first offer you get is, do not accept right away. Take your time and review all options before deciding upon a lender.

Considering these 5 tips as you move through the consolidation process could help you significantly reduce your monthly loan payments.

Internet Business Consulting

Internet business consulting is often geared toward individuals and businesses who want to increase their sales or revenue for their online business. These services help their clients with Internet marketing and web development services so that they can reap the greatest benefit from their Internet presence.

In addition to these services, there are many other services provided by Internet business consulting firms. These include help with search engine placing, copy writing, web analytics, advertisement effectiveness monitoring, and web design. People who work for these firms can help the client develop web content that is likely to draw visitors to their site or sites, can help them write effective articles to market their services or products and find places to submit them so they are likely to be found and read, and develop press releases for the online business. Internet business consulting firms can market Internet businesses in forums and on social networking sites and help businesspeople set up promotional videos for their websites.

It's important that people who want their online business to succeed begin by taking a multi-pronged approach so that they cover as many possible places to perform marketing as possible. Most Internet business consulting firms will sell services to clients based on what their stated goals are. If they want search engines to list their sites at the top of the results page, or if they want social networking sites to begin talking about their business, or if they simply want to generate more sales from their sites, they will need to purchase different services. The right Internet business consulting firm will help their clients decide which services are best for their needs.

What Everyone Needs to Know About Hiring a Bankruptcy Attorney?

The earliest responsibility of a bankruptcy attorney is to deal with the bankruptcy proceedings of his / her client. They also have to provide them with legal advice and representation in each step of the way. The bankruptcy attorney has to assist his / her client to pay off their debts once a decision has been reached by the courts on this matter. Before anything happens though, the attorney has to make sure that their client fully understands the process and what it means for their financial future. The attorney has to be able to advise the client, if there are other options available to them.

When faced with bankruptcy one of the most important things that one has to do is look for a reputable bankruptcy attorney. There are many attorneys who are not well-versed in bankruptcy laws. For this reason it is important to select an attorney who has experience in handling bankruptcy cases. Also, their level of experience is very important. The more experienced they are, better the chance of securing a favorable result from the bankruptcy filing. Also, the attorney has to have the license required to practice in the state in which you need representation.

One of the best ways to find a good bankruptcy attorney is to ask other lawyers. Such professionals work with each other on a regular basis and will be aware of each other's reputations. Once a candidate has been selected it is important to organize a consultation with them to discuss your case. The attorney will then explain the entire process of filing for bankruptcy. Once familiar with the case they will also be able to advice, if there are other options available to clients because bankruptcy is a very big step to take; which can not be reversed once it has been completed. If bankruptcy is the only option, the attorney will be able to advise as to the types of bankruptcy that are available to the client and the different pros and cons thereof. Even though the attorney has to ensure that the client fully understands everything, it will be the attorney's responsibility (once hired) to perform the actual filing and whatever is required during the process.

Bankruptcy attorneys are not just useful with the filing of bankruptcy. They can also be valuable when facing foreclosure, court cases and harassment from creditors. For this reason the client has to feel comfortable with the attorney which they select because every personal financial problems and habits will have to be discussed with them. Another important thing to look for in a bankruptcy attorney is how reliable they are. It is important to find out if they are available to assist, no matter how long the bankruptcy filing may take. They have to provide the service in a professional and polite manner and not treat their clients poorly and with disrespect. The attorney has to operate transparently with clients and explain everything to them, every step of the way.

The attorney also has to be able to communicate with their clients regularly in order to provide feedback. They also have to be approachable so that the client feels comfortable to be totally honest and open with them. If not the client may be uncomfortable to provide certain important information which could jeopardize the case. Obviously, when someone is filing for bankruptcy he / she is experiencing financial difficulties. For this reason many people try to find the cheapest attorney that they can. This is never recommended. Unfortunately, a good bankruptcy attorney is something that can not be skimped on in these situations. Cheap bankruptcy attorneys sometimes charge hidden fees, so clients end up paying the same amount as if they had rented expensive attorneys.

Getting Business Credit Cards Without Personal Guarantees

Everyone knows how convenient it is to use credit cards for purchases. You can pay for things right away without having to worry about carrying a lot of cash or waiting for a check to be approved. This also means you can order things over the phone or on the internet. Getting business credit cards without personal guarantees is an important thing for any business to do.

When you get credit with no personal guarantee, it will need to be necessary if you have taken the proper steps to establish your business and go to the right credit sources. These credit cards will not be linked to your personal credit history, so they will not effect that badly. Instead they will be linked to your business credit history. This is a good thing since if you use these business credit cards no personal guarantee then you will be able to build up your business history and keep it active.

As you use these business credit cards without personal guarantee you will want to take care to use them wisely and pay the bills on time. You do not want to negatively effect your business credit since that will give you problems the next time you want to borrow money for your business. This could hold you back from expanding your business or purchasing materials that you need.

Having business credit cards will make it possible for you to make necessary purchases while you wait for your customers to pay their bills. Then you can pay off the purchases once you are paid by your customers. This can help to even out your cash flow a bit. You will not have to wait until getting paid to purchase any necessary supplies that you might need in the meantime.

As with personal cards, you can also use them to help track expenses and keep an eye on what individual members of the company are spending for business purposes. This can make keeping financial records a bit easier as well.

Apple Watch 3: Time For a New Calling

It's time for some wrist talking. Apple has roled out its new line of Series 3 watches complete with cellular capability.

The new smartwatches are now on sale, just in the nick of time for holiday shopping.

Apple Watch fans will find the Series 3 is the full replacement for the Apple Watch 2. It features many upgrades including the ability to make calls from your wrist.

The watch enables cell calling on all major carriers in the US The device supports both data and voice and uses the same number as your iPhone.

Calls do come at a price, it will add about $ 10 per month to your existing wireless fee, but imagine the fun and options of conversing like comic detective Dick Tracy.

Apple's new W2 wireless chip helps make the calls work. It switches between Bluetooth, Wi-Fi networks and the watch itself always searching for your iPhone first.

Calls can be dialed directly with the keypad on the watch, or by tapping an existing contact. Actual message writing is limited to scribbling letters, tapping emoji, or dictation.

You can also have a voice conversation with Siri. She is no longer limited to just on-screen text responses. Engaging Siri without an iPhone nearby though can be troublesome.

While the watch is designed to free you up from your phone it requires your iPhone to help with setup and app installation. Calling will not work with Android phones.

Most use the Apple Watch as a fitness tracker. New with the Series 3 is an on-watch extra sensor barometric altimeter with GPS. The built-in GPS records the distance, speed and route of your outdoor workouts.

The altimeter tracks elevation during your hottest rides and highest climbs. It is also "ocean proof" and safe at 50 meters.

Heart rate monitoring has been improved. More graphs are listed for all-day rates in resting heart rate and walking heart rate. Other graphs and averages for workouts are listed as well much like Samsung's Gear watches fitness offerings.

Workouts are easier to start and stop, or switch on the fly. Runs can be auto-paused. Music controls show up in workouts with a quick swipe, and music playlists can be set to go automatically.

Those who wish to listen to music to accompany their workout will find improved synchronization with the WatchOS 4 operating system. Playlists can be added when the watch is charging. Most songs can be downloaded from your iTunes library.

Like most newer Apple products wireless headphones are required to enjoy the audio. AirPods are a good pairing for the watch.

While the Apple Series 3 has added capabilities it is not a full replacement for the iPhone. Responding to emails and messages is not easy and there is no camera. Your phone is still needed to set everything up and for adding apps and other information.

Battery life can be an issue. Due to limitations phone calls can be strictly curtailed as can GPS-aided workouts. Costs for wireless service and Apple music add to the expense.

Users of Apple Watch 2 will find little difference in appearance between the old and new devices. The 3 features a red dot on the crown the 2 does not. Size is about the same. You can use your older bands associated with the previous models.

The cellular version of the Series 3 will run around $ 400. A stainless steel model will run near $ 600 and then there are the more luxurious Hermes and ceramic edition models priced at over $ 1,200.

Apple keeps improving its smartwatch offerings. While not revolutionary the Series 3 is first to offer cell capability with improved fitness applications. The tech giant is hiring consumers will find that now is the right time to purchase one.