One of the most authoritative organizations that researches and comments on insurance matters is the Insurance Institute of Highway Safety. A part of its remit is to monitor the general levels of claims and to make informed predictions based on the trends. As the number of boomers reaching retirement age has been increasing steadily, the IIHS suggested there was likely to be a steady increase in the number of claims made by drivers over the age of 75. At the time, this seems a reasonable assumption. As we age, everyone finds their reflexes slow down and their eyesight is no longer as sharp. Yet the IIHS has now admitted it made the wrong call. In fact the number of accident claims involving the elderly has fallen. In the most recent data covering 2009 through 2010, this trend has continued.
So what has happened to throw off the statistical expectation? Well, score one for the medical profession. Even though the cost of medical care has been rising rapidly, the safety net for our seniors ensures they still have access to good quality treatment. This is helping them stay in better shape. Now add in the fact our seniors are more socially responsible. They know they may be starting to lose their edge so they begin to drive more slowly, and avoid driving at night when they may have greater difficulty is seeing. As the mental faculties also come under pressure, they keep to the routes they know well and generally take greater care. The most responsible go through driving courses designed to help seniors navigate our roads with the least risk. Some modify their vehicles to make them safer.
The cheapest car insurance comes through membership of Carfit. This is a project run jointly by a number of organization representing the interests of the aging. The idea is to offer advice and practical assistance to upgrade skills and make vehicles safer to drive. This reflects the reality that the elderly cannot easily adapt to modern life unless they continue to drive. With insurance companies offering the cheapest car insurance rates as an incentive and occupational therapists to advise, there’s no reason why seniors cannot continue driving without having an accident.
There’s a sad fact about playing in a casino, whether real or virtual. The operators have worked out how to play the games on offer and set the odds to favor themselves. After all, if the majority did not lose, there would be no money to pay out all the money you win. Needless to say, the casinos have invested time and money into working out every possible variation on the rules and the ways to play under them. So, if you are going to take on the House edge, you have to become as big an expert on the rules as the operators. So let’s start with one of the more interesting rules which decides when you are allowed to double down. This applies when you have received your two cards. If you decide you are going to draw only one more card, the casino rules can allow you to double your initial bet. The different possibilities are to double:
- on any card combination;
- only when the two cards total 9, 10 or 11; or
- after splitting.
Why should you double your bet? The answer is deceptively simple. You double the bet when you think you are going to beat the Dealer. That really does make sense. But because you are suddenly investing more money in playing the game and have more to lose, you need to get on board with the math. You need to know the frequency with which the Dealer is likely to go bust based on the card you can see. If the Dealer’s card suggests a bust is probable, i.e. the Dealer’s hand is weak, you double the bet when you have a strong hand. You are maximizing the chance of making a good profit on the hand. If you build the doubling rule into your basic strategy, you reduce the House edge. If you refuse to play the doubling rule, the House edge actually increases. This is not to claim you will win every hand when you double down. If you are on a losing streak, you could lose every doubled bet for the session. But, in the long term, you will win more than you lose if you double. If you hesitate to double the bet, it suggests you are outside your comfort zone and already playing for higher stakes than you can afford.
At the blackjack table, the Dealer is weakest when showing a card in the range 2 through 6. With a 2, the bust percentage is 35%. It rises to a 42% chance of busting with a 5 or 6. Your hand is strongest if the two card total is less than 11. Do not be thrown off the basic strategy by the casinos that allow you to add less than the original bet. Blackjack is a game for winners. Never give up the chance to double and take the maximum win against the Dealer. Adding a few dollars to the original bet but not doubling is half-hearted and cowardly.
The game is one of the simplest ever invented. The rules are few and there’s no physical effort involved in playing it. You just sit, look at a few cards and make your bets. That’s probably why it’s become one of the most popular casino games of all time. Of course everyone knows the House has an edge. That’s how it pays all the expenses for running the casino. Remember it makes no difference whether this is a casino in the real world or online. You still need people and a base. So common sense tells you that no-one beats the House unless they invest some effort. Put another way: if everyone could beat the House without breaking sweat, the casino would go out of business in a day. This produces the headline: no pain, no gain. You have to put in some study time to master the basic strategy.
So what is this strategy? Over the years, some serious math types did all the work for you. They calculated the best way to play all the card combinations and wrote them down in simple charts. If you were going to play in a real casino, you would have to learn all these rules. That saves you having to pause before every decision to check the charts. Not only would the other players around the table be less than impressed, the casino would probably suggest you leave. But playing online changes all that. You can consult the charts as often as you like before deciding which card to play. It may be slow but, if you get the strategy right for every hand, you just shifted the odds in your favor.
So what are these charts? The first gives you the rules on when to split a pair. The strategy changes depending on the value of the cards dealt to you and the value of the card you can see the Dealer holding. So it starts with the rule that you split a pair of aces no matter what the Dealer holds, and goes down to the choices when you hold a pair of 2s. The other two charts deal with hard hands and soft hands. A hard hand is when neither card is an ace and the strategy changes significantly depending on the card held by the Dealer and the table rules on when the Dealer must stand or draw. A soft hand contains an ace and is easier to play because you can always draw one more card without busting – this takes some of the pressure off the play. I started off by saying blackjack is an easy game but, like all games, you can play for fun or you can take it seriously and play to win. In this case, you are more likely to win if you learn the charts and can play the strategy without thinking. To really take on the House edge, you also have to become a card counter but that’s a whole new story because it does not work in a virtual casino. For now, focus on the basic strategy and start your winning blackjack career.
No game guarantees you the first place. No online game will guarantee you the winner title. Even those who spend years practicing have a chance to lose. If we talk about blackjack – well, it is a great combination of skill and luck. But you should not think that there is nothing you can do to give yourself a possibility to win if you don’t consider yourself too lucky. We will share our top 5 advices with you. Those five will help you gain more money playing blackjack. (more…)
If you’re playing games that have to do with some kind of luck (like online poker or online blackjack) there is a certain set of rules that will make your playing experience a lot more effective and exciting. You haven’t follow these rules strictly, but you will see that they really can help if taken into account and will save you a lot of time and stress if applied during your gaming process. The games you play, your experience or bankroll do not affect the way you should use these tips as they are of universal effectiveness and can be applied in most gaming situations. So here we go:
- Learn the rules before you sit down at the playtable. That is a must when thinking of playing just any game at the casino. First, you have to understand the rules behind the game and make sure you understand all the terminology to communicate with other players. Also, you can’t play blackjack if you can’t count to 21. Just imagine going to a business meeting where everyone’s speaking French (and you don’t understand any single word out of it). The same thing hare.
- Stretch up gaming process. Don’t net everything you have in the first 15 minutes, because gambling is about the fun of playing, not spending all you got as fast as you can. Make sure you follow your own rhythm and have something to gamble with after and hour or two into the game.
- Define your playing budget before the game starts. You will have to set the maximum amount of money you can afford losing during the night. And don’t spend even a penny over this amount. Forget that you have credit card, furthermore, you’d better leave it at home, because the temptation of withdrawing more money will be very strong, and if you will actually do it you will have to deal with even a larger sum of money lost and all the hassle behind it.
- Don’t try to return your losses. Of course the temptation of winning over your losses with larger bets will be high, but it’s definitely not the best thing you can do. In fact, it will make the things even worse. In this case it is better to switch the table or the game altogether and start all over if you are still within your budget.
- Avoid distractions. Forget about beautiful girls around of cool music played by band on the stage. It is important to keep the focus on your gaming process. Because a simple and stupid mistake can result in a big loss. And that’s really disappointing.
- Keep track of your emotions. Gambling is not the best thing to do when you’re angry, furious or depressed. Keep in mind that focus is the key to winning at any casino games and any emotions that will interfere with your alertness are a one way ticket to losing.
- Try to have as much fun as possible. This is what gambling is all about. When you’re gambling online, in fact you’re paying your money for hours filled with fun. So try to make the price for your fun as least as you can.
Software protection is need of the day. It is estimated that about 30% revenue is lost due to piracy but these figures fail to explain the fact that piracy also increases legal sales. Director of a software company told me they learn about some companies using their pirated software but they did not took any action. The director was not surprised when he received order from the same company next year. He said in the absence of a workable demo or just to try full features before making a purchase decision many people use pirated versions. This does not mean that software companies should not protect their products but only mean that a legal demonstrable product should be made available to customer for evaluation for a sufficient period of time.
If you want to test how observant you really are, try the newest hidden object games online. A uncompetitive casual game that give relaxation and delight any time you want to spend some time for yourself. Simply choose the art or theme at the level of difficulty that you feel would challenge you. Next discover all objects off a list that are hidden throughout the image. Finally, if you can discover them all, continue to an even more challenging picture. If you are an avid puzzle or word search player, I would definitely advise newest hidden object pc games. They offer a welcome break from the same old same old. Hidden object games are timeless and have gone to online versions for all ages and all skill levels. A diversity of all depictions of hero or room you can think of are available for your online gaming pleasure. (more…)
If you book in advance it might give you a possibility to get a good seat but it surely won’t be any less expensive if you book the flight one month before the date of the departure. Everybody knows how the system works. All airlines have to sell tickets to cover cost of the flight. As the flight dates comes nearer, the airline lowers the price of tickets to attract more passengers to fill up the seats. They know that they cannot get full price so they keep on lowering it a bit every day until takeoff. The closer you are near the flight date the cheaper will be the sum you are due to pay. We strictly advice you to check various internet sites to see the flights and prices available for them. If you do not trust internet, you will have to walk the distance to the closest travel agency to know what they have in store for you.