Fashion Design Goes Green

Nowadays, everyone seems to be going green. In other words, people are altering their lifestyles and consumption rates in order to reduce their ecological footprint on the Earth. This summer season saw record-high temperatures in many parts of the United States. It is becoming clearer and clearer that the globe is slowly warming up. However, going green does not have to mean compromising your fashion sense. Plenty of people have figured out ways to make fashion design into a more environmentally-conscious industry. Here are some recent methods used to combine sustainability with style.Wholesale clothing manufacturers and fashion designers are taking extra care to use sustainable materials such as cotton, hemp, bamboo and wool produced without the use of chemicals or pesticides. And whether or not the use of sustainable materials are employed in the latest designs, designers are taking specific care to find alternative materials to fur, leather, and other skins and animal products which seem to be regularly associated with high fashion.Another eco-friendly trend of late is the development of fabrics from recycled clothing and other materials. Innovative, up-and-coming designers are creating entire fashion lines constructed from recycled clothing. This includes men’s dress shirts that are fashioned into women’s skirts, or vintage nightgowns re-vamped and sewn into evening gowns. And this trend extends beyond recycled fabrics alone. Some designers are making clothes, bags, shoes and accessories made from recycled materials like candy wrappers, plastic water bottles and even old tires!Being aware of the material that your clothing is made from is only one aspect of sustainable style. There is also the awareness of where your clothes come from. Much of what is considered “couture” is made overseas and shipped to the United States. This uses a lot of energy and creates the excuse for an inflated price. The trick is to shop locally. Buying clothing made in the United States, or even in your own hometown can cut energy costs, and support your local economy.There’s no reason why you can’t stay fashionable without adding to the environment’s boiling stew of problems. With the consciousness of green fashion comes the consciousness of a greener world beyond fashion. That attitude is exactly what we need!

Home Schooling: Educating the Teachers

It’s 5:30 a.m. on a summer day. I should be sleeping like the rest of the world, ensconced in a woolly blanket of certitude that there is no work today, only vacation. But I can’t really sleep. It’s the first day of school, you see.There is an old theory of learning that says education isn’t about teaching students new things but only about reminding them what they already inherently know.It’s a high-minded theory that assumes everyone is what my old college president would have termed “educable,” that knowledge, like truth, is not relative, but exists on its own plane running parallel to ours and may be accessed by revelation.One need only be shown the hidden path to the oracle’s chamber, so to speak, and all will be unveiled.Sometimes, though, it’s not the student but the teacher that needs to be shown the way.Perhaps we are so inured to others’ needs, so accustomed to our own convenience, that we modern folk oftentimes don’t pay heed to the tragedies occurring before our very eyes. Particularly for parents trying to educate our children, there seems to be a wall in front of our eyes that shields us so often from the truth.We place our children in schools in the hopes that they will learn what is needed for them to survive in this world: facts, figures, social aptitude, an inquiring mind, an entrepreneurial spirit.And we will show up and be supportive at school assemblies, classroom field trips, endless fund-raisers, sporting events, etc., ad nauseum.We provide classroom supplies, chaperoning, transportation, library staffing, even office support, all in hopes that we are furthering our children’s education by setting a good example and freeing up the teachers to do “what they do best.”Too often, though, what parents get out of this bargain isn’t what was promised. Instead of bright, energetic, go-getter scholars, what we are handed back is children who are lethargic, beaten down and drained of any creativity they once had. We get kids who are indoctrinated into political correctness — which is to say the art of arrogant whininess — but who can barely multiply. We get kids who have been taught in “science” class to recycle to “save” the planet, but who can’t explain to you how an airplane stays in the air or how an internal combustion engine works. We get kids who have been forced to memorize Dr. Martin Luther King’s “I Have a Dream” speech and participate annually in Cinco de Mayo but who can’t explain one contribution of white people to the world other than bringing disease to North America.In some schools, it’s not unusual for as many as half the students to drop out before their senior high school year. Of those who hang in there, many seniors can’t even pass an eighth-grade-level exit exam to get their diplomas.And just to add to parental enjoyment, along the way, the children have almost certainly been exposed to gay sex, oral sex, premarital sex, contraception, abortion, illegal drug use, alcohol abuse, nihilism and atheism. All under the auspices of the school, and all before sixth grade — kindergarten, if some legislators get their way. Recess and that after-school time before parents come home provide ample opportunity for kids to put into practice what they’ve learned in “skool.”Parents may seek relief in private schools, but often what they encounter is no better, just more expensive. If you are rich enough, it is still possible to buy your children a real education. If you’re merely well-off, more likely what will happen is you will pay through the nose, and your children will receive an education that is relatively free from the sex- and drug-teaching curricula of the public schools, as well as the more violent forms of playground bullying. But for the most part, the rest of the teaching agenda is the same, particularly if you live in a state like California, where private schools are so regulated that they often just give up and use the same books, the same curricula, same time tables and same test “preparation” procedures as the public schools. If you’re lucky, there might be some time to squeeze in a little religious education.That was our experience. Not being much of a corporate yes man myself, we’ve often been on the lower rungs of the economic ladder. Still, we managed to put our son into private schools despite the cost. Sending him to our local public elementary school was out of the question. The first time we went to that school’s office, there were three children being treated by the school nurse after getting beaten up in the halls. The second time we went to that office, the police were there having a “chat” with a boy who looked like he was in about fourth grade.So we got our son into a local private school, with high hopes of better things. Now, when he started kindergarten, he was almost a whole year younger than the rest of his classmates because of the oddity of birthday cutoffs, but he still tested above many of them. That glowing moment didn’t last long, however. Soon, we were told that our boy needed a speech therapist because he had trouble pronouncing certain syllables. We took him back to our local public school, which actually had a real speech therapist on staff, and after five minutes she pronounced not only was he normal for his age, but he was exceptionally bright and seemed like he was a few years ahead in his vocabulary, even if he couldn’t quite pronounce his “th” sounds yet.After we got over that hurdle, we learned that he was being picked on at school. Despite the school’s supposedly strict “no bullies” policy, our son, who was a year younger than most of his classmates but also taller than almost all of them, was in the same classroom with a boy who was almost two years older than most of the kindergartners. So now I found myself having to explain to my gentle 5-year-old how to handle an 8-year-old developmentally challenged gorilla who liked to express himself with his fists. We finally got the principal to take action after the teacher did nothing, but at the expense of his teacher now viewing us and our son as “the enemy” for getting her in trouble.And that was just the beginning of our experiences with private schools. At one point, our boy must have seen something on TV at the same time the class was studying Christ’s Passion in school, and he made a comment to somebody, somehow, somewhere, “Oh, just kill me.” I think it was because he used the wrong color crayon or something. Suddenly, our then first-grader is supposedly likely to kill himself, he could be a danger to others, yada yada. So we take him to his first shrink, who pronounces him normal but unusually imaginative and, surprise, verbally gifted, and says that the boy was just acting out something he heard. We were not really surprised, but we were still relieved that everything was normal.Let me tell you, though, after something like that gets around, nothing’s normal ever again. Suddenly, we were the pariahs who were raising the next Columbine kid. We couldn’t buy a play date at that point. And our son was aware of it. He started hanging his head when he walked, playing by himself at recess, and we’d catch him calling himself “stupid” when things went awry. At that point, we had an opportunity to apply to another school. We went through all the hoops and got positive feedback from the interviewing teachers and so forth, but one of the deciding factors turned out to be a letter written to the new school by our son’s kindergarten teacher. We weren’t allowed to see the letter, but the tone of the interviewers changed drastically after they read it.Fortunately, we had another opportunity to get into a different school, this one Catholic, which is our denomination. Once again, we had high hopes for better results. Once again, those hopes were dashed. Our son wound up in a classroom with a first-year teacher who right off the bat pegged him as a troublemaker for whatever reason. This teacher, we later learned, had a habit of yelling at the kids, and she took out much of her aggression on our son. He began hating school and not wanting to do the incredible amount of homework they piled on every night. The next teacher was much nicer, but by then the damage was done. Even though our boy was capable of doing his homework perfectly (when he wanted to), he regularly flunked tests because they were time-limited and he would panic because he could hear his past teacher screaming at the kids next door.Just to add insult to injury, we finally realized that the curriculum at the school was the same state-created curriculum at public schools. They used the same texts and applied the same ridiculous schedule of 8 to 10 subjects per day, which hardly allows any time to absorb the information, much less understand it. The parents whose kids were doing well in class, we later learned, were going to Kumon classes after school. When our son needed extra help with multiplication, we were told he must be tutored. Well, the tutors at the school didn’t have time for us. We approached the youth director because her teens need service credits to graduate high school. No one volunteered to tutor our son. We were finally told he MUST have a professional tutor. We were given a name, supposedly of a parishioner, but no contact information. This person was not on record with the parish or the school office. The principal, who had recommended him, never came forth with a number. We contacted the church’s nuns. This particular order is charged with teaching children. That’s their gig. Within five minutes, the got back to us and said one of the sisters would tutor our son, but they wanted to talk to his teacher before setting up a schedule. They talked to his teacher apparently, then suddenly they weren’t available to help out.So in the final analysis, our own church school, using lay teachers to teach state curriculum out of state textbooks, happily accepts thousands of dollars in tuition but is unable to properly teach the children math, forcing parents to supplement with either a program like Kumon or, in our case, nonexistent tutors.We spent somewhere between $25,000 and $30,000 on tuition, uniforms and other expenses in the vain hope of giving our child a decent education. All that happened was a gaggle of overpaid strangers slowly strangled his curiosity and crushed his desire to learn, leaving him a bundle of nerves at the age of 8.Sometimes it’s the educator who needs to be reminded of what he already knows. My child is too important to me, and I think someday to the world, to leave in the hands of a capricious public or private education system that, ultimately, is designed to produce conforming drones, not thinkers. We, as his parents, cannot simply stand by and watch the life being squeezed out of him like the juice from a lemon.The reality is that we, like most parents, have allowed this to happen for far too long because it was convenient to let our son be raised by strangers.No more.We had started supplementing his education with materials from a local home schooling program when he began having grade trouble and as a “backup” because of the monkey business school administrators liked to be up to, such as putting new students on “probation” for no reason.We’ve decided to take the plunge and just home school. It will be a change, for sure, and a lot of responsibility, but the incredible improvement we’ve already seen in our boy’s attitude and aptitude is making it worthwhile.I’ve encountered many parents with stories similar to ours. We apparently are part of a growing movement to take back education from the millers who are running the system.Having been through the system myself, and having seen what it nearly did to my child, I no longer believe in “reforming” the education system, reducing class sizes or raising teachers’ salaries. If the government insists on dabbling in education, then what is needed is a wholesale elimination of what we have now. A replacement system would start with teachers who are trained in a subject other than “education,” have an administrator-to-teacher ratio on the order of 1-to-20, eliminate the nonsensical scale of grade levels and let students achieve at their own speed in the needed skills.How do I know that would work? Because that’s essentially what we’ve created with our own home schooling group, and it is working spectacularly well. There are kids who have gone through the same program and entered college by age 15. Many of the teens in the program or formerly in the program have successful businesses. My son’s only 8, so we’ve got lots of working and growing ahead to do, but for the first time in a long time, both he and his parents are looking forward to it.

Overview of the Major Comp Programs

Before we dive into the intricacies of blackjack and poker comps, I thought it might be a good idea to take a quick crash course on comp programs.

Thanks to the corporate conglomeration that has dominated the casino industry in recent years, most gamblers have two major comp programs to choose from – M Life and Total Rewards.

The M Life program is operated by MGM Resorts International, while Total Rewards is a product of Caesars Entertainment.

If you enjoy visiting sunny Las Vegas for a stroll along the Strip, chances are good you’ll wind up in a casino owned by one of these behemoths. And I’m not talking about the MGM Grand or Caesars Palace flagship properties, as the two companies own dozens of casinos between them.

Check out the list below for a full accounting of MGM-owned properties on the Strip where the M Life card is used to track and distribute comps:

ARIA Las Vegas
Bellagio Las Vegas
Excalibur Hotel and Casino
Luxor Las Vegas
Mandalay Bay Resort and Casino
MGM Grand Las Vegas
The Mirage Las Vegas
Monte Carlo Resort and Casino
New York New York Hotel and Casino
And below, you’ll find the Caesars-owned casinos on the Strip where the Total Rewards card is accepted:

Bally’s Las Vegas
Caesars Palace
The Cromwell Las Vegas
Flamingo Las Vegas
Harrah’s Las Vegas
The LINQ Las Vegas
Paris Las Vegas
Planet Hollywood Las Vegas
Rio All Suite Hotel & Casino
Expanding the scope outside of Sin City, these are the MGM-brand casinos worldwide where M Life membership is accepted:

Beau Rivage – (Biloxi, Mississippi)
Borgata – (Atlantic City, New Jersey)
The Water Club – (Atlantic City, New Jersey)
Gold Strike Casino Resort – (Tunica Resorts, Mississippi)
Grand Victoria – (Elgin, Illinois)
MGM Grand Detroit – (Detroit, Michigan)
MGM National Harbor – (National Harbor, Maryland)
MGM Springfield – (Springfield, Massachusetts)
MGM Grand Sanya – (Sanya, Hainan, China)
MGM Macau – (Macau, China)
Bellagio Shanghai – (Shanghai, China)
And finally, take a look below for the full list of Caesars-owned casinos worldwide where Total Rewards membership is accepted:

Bally’s Atlantic City – (Atlantic City, NJ)
Caesars Atlantic City – (Atlantic City, NJ)
Caesars Windsor – (Windsor, Ontario, CA)
Harrah’s Ak-Chin Casino – (Phoenix, AZ)
Harrah’s Atlantic City – (Atlantic City, NJ)
Harrah’s Cherokee – (Cherokee, NC)
Harrah’s Cherokee Valley River – (Cherokee, NC)
Harrah’s Council Bluffs – (Council Bluffs, IA)
Harrah’s Gulf Coast – (Biloxi, MS)
Harrah’s Joliet – (Joliet, IL)
Harrah’s Lake Tahoe – (Lake Tahoe, NV)
Harrah’s Laughlin – (Laughlin, NV)
Harrah’s Louisiana Downs – (Bossier City, LA)
Harrah’s Metropolis – (Metropolis, IL)
Harrah’s New Orleans – (New Orleans, LA)
Harrah’s North Kansas City – (North Kansas City, MO)
Harrah’s Philadelphia – (Philadelphia, PA)
Harrah’s Reno – (Reno, NV)
Harrah’s Resort Southern California – (Valley Center, CA)
Harvey’s Lake Tahoe – (Lake Tahoe, NV)
Horseshoe Casino Baltimore – (Baltimore, MD)
Horseshoe Bossier City – (Bossier City, LA)
Horseshoe Council Bluffs – (Council Bluffs, IA)
Horseshoe Hammond – (Hammond, IN)
Horseshoe Casino Tunica – (Tunica, MS)
Horseshoe Southern Indiana – (Elizabeth, IN)
Tunica Roadhouse – (Tunica, MS)
Along with these titans of the gambling industry, you’ll also come across a few smaller casino chains like Boyd Gaming or Stations. And of course, the over 400 tribal casinos operated on reservation land nationwide have their own in-house players club cards.

These smaller casinos tend to model their comp system after the big boys, however, so I’ll stick with M Life and Total Rewards going forward for the sake of clarity.

For both of these programs, you’ll also have two main forms of comp credits to work with – base points and tier points.

A base point equates to $0.01, so you’ll need to score 100 of them to add $1 to your comp account. Base points effectively serve as cash in an affiliated casino, so you can use your accumulated points to purchase that morning latte or some headphones from the gift shop.

A tier point doesn’t have cash value per se, but these points are how you climb through the ranks of either M Life or Total Rewards. You can visit the overview pages for each program that I linked to above to learn about the various tiers used in each. But put simply, accumulating tier points grants you access to a higher tier in the program, which in turn unlocks additional perks. Think priority access at the cashier’s cage line, free valet and parking, tickets to the in-house show, and even free rooms.

Now that you know who is handling your comps and where the players club cards in your wallet are accepted, let’s see exactly how they work for both blackjack and poker.

How Comps Programs Are Different for Poker Players Compared to Blackjack Players

Casino regulars love nothing more than winning big and beating the house – but scoring comps comes in at a close second.

Short for “complimentary,” comps are the freebies doled out by every casino to help customers alleviate recent losses. Sure, you might have just blown through a few hundred bucks at the blackjack table, but when you’re handed a free buffet voucher, the loss stings just a little bit less.

Casinos use a carefully designed system to distribute comps, but even veteran players can have trouble understanding exactly how that system works. And that’s definitely by design.

Most players simply assume that their players club card allows their play to be tracked, allowing the casino to assign points over time. And while that’s a rough outline of how it all goes down, the actual calculations are far more complicated.

The situation gets even messier when you factor in different game types. Slot players earn comps at a different rate than table game fans, for example, and folks who prefer poker have an entirely different set of rules to work with. Knowing your way around this maze of math formulas is the best way to ensure that your play produces the maximum amount of comp points.

To that end, I’ve put this page together to explain exactly how comp programs differ for two of the most popular games on the floor – blackjack and poker.

How Comps Are Distributed to Blackjack Players

So, you’ve sidled up to a standard blackjack table, slid your M Life or Total Rewards card to the dealer, and watched them scan it through to the system. Now what?

Well, that’s a mystery many blackjack enthusiasts are still trying to crack.

The Total Rewards website spells things out quite clearly for slots and video poker:
“You will earn 1 Reward Credit for each $5 you play on reel slot machines and $10 for video poker.”
But when you scroll down in search of table games like blackjack, the numbers aren’t nearly as clear – and in fact, Total Rewards doesn’t provide any concrete numbers at all:
“For table play, be sure to hand your Total Rewards card to the dealer or pit supervisor as soon as you sit down to play and ask to be rated.
Reward Credits are earned based on length of play, average bet and type of game.”
As you can see, Caesars Entertainment properties use a proprietary formula – based on how long you play, your average wager amount, and the type of table game played – to determine how many comp points you’ll earn. Obviously, this leaves quite a bit of wiggle room for the casino, while players never really know for sure how their blackjack session is being parlayed into points.

It’s even murkier over on the M Life website, which only provides the following information for table game players:
“Members must present their M Life Rewards Card to a table games pit supervisor prior to table games play.
M Life Rewards members must satisfy minimum betting requirements to be rated for table games.
Please see a table games pit supervisor at participating M Life Rewards destinations for such assistance.”
In this case, playing at an MGM Resorts property leaves you at the whim of a table games pit boss, along with an unknown minimum betting requirement.

Thankfully, the internet levels the playing field tremendously, and you’ll find plenty of blackjack forums and travel sites where players can discuss their own comp experiences. By perusing a few of these platforms, I’ve been able to come up with the following figures.

Whether you’re using the M Life or Total Rewards card, you’ll need to bet an average of $25 per hand just to get your play “rated” by the casino. For most recreational gamblers who bet the minimum of $5, or $10 when they’re feeling lucky, that threshold alone prices them out of the comp program.

But let’s say you pony up the dough and bet a green $25 chip on each hand (on average). Now, the next factor to consider is your hands per hour rate. Most industry estimates peg the average blackjack table at 80 hands per hour, so I’ll go with that.

If you’re betting $25 per hand and playing 80 hands per hour, you’ll have $2,000 in total bets on the table over that span.

The next calculation the casinos use involves their theoretical hold rate, or the number of dollars they can expect to win based on the game’s house edge. Depending on your skill level, blackjack offers a house edge between 0.50% (for basic strategy experts) and 1.5% (for folks playing by “gut instinct” alone). Knowing this, I’ll use a flat 1% house edge to make the math easier.

Having bet $2,000 in total over the hour, while facing a house edge of 1%, the casino’s theoretical hold stands at $20.

From there, you can expect to receive comp points equal to 10% of the hold, which comes to just $2 in this example.

REMEMBER
That was for one hour of play only, while most of us tend to stick around the tables for a few hours at a time. But for a general rule of thumb, assume you’re earning about $1 in comp points for every $1,000 you put at risk in a 60-minute period.

The big problem most blackjack players encounter is improper ratings by the pit boss. It’s their job to closely observe the action, entering your typical betting unit and your time at the table into the system. But if the pit boss sees you starting out at $10 bets to warm up, before you start firing the green chips, you might not ever get rated at all.

On the other hand, you might get your rating set at $25 bets from the outset, only to up the ante when you’re on a heater. At this point, you could be betting $50 or $100 per hand, all while the system continues to track you as a $25 bettor.

For this reason, blackjack players who value comp points should always take measures to clarify their play to the pit boss. That’s their job, after all, so you’re not bothering anybody by asking for a quick chat. Just let them know your name, that you’ve had your card scanned, and your plan for the game.

Something like “Hi there, I’m so-and-so, and I’ll be betting $25 and up for the next hour or two” should be sufficient. And if you decide to increase the stakes midway through the session, just give the dealer a glance and let them know to alert the pit boss about the new wager.

This can all seem like a chore at first, especially for casual gamblers, but it’s the only ironclad way to ensure that your blackjack play is properly rated.

5 Steps to Picking the Perfect Poker Tournament

I wrote this post for a simple reason – I got sick of teaching my friends how to pick a good online poker tournament, so I wrote something I could copy and paste as an email response.

The goal of this page is to help you find the right kind of online poker tournament for you to enter, based on a few different factors. When we say “perfect” tournament, we mean the tourney that’s the most fun and potentially the most profitable that you can afford or have a shot at winning with your skill level.

How to Pick a Poker Tournament
Determining which tournament to play means first figuring out a few things about you and the kind of tournaments you want to play. I think there are basically three kinds of online poker players. Regardless of the specifics of your poker game, you’re probably one of these three broad categories:

The Amateur
This is anyone who plays primarily for fun. Being an amateur doesn’t mean you lose a lot or are a bad player – it means your purpose is more casual. The Amateur probably doesn’t have a tournament bankroll or worry about bankroll management. Amateurs look for tournaments that offer a low fixed buy-in, are exciting to play, and give them a shot at a decent cash prize.

The Cash Game Expert
Players who make a significant amount of money playing ring games of online poker fall under this category. This person might play an occasional tournament, but mostly as a break in the routine. A Cash Game Expert will play a tourney if it gives him a decent shot at a huge cash prize, or if he finds value in the low skill set of a particular tournament’s player field.

The Tournament Junkie
Some of these players are professionals, others are amateurs, but they all have one thing in common. They complete regularly in online poker tournaments. Tournaments make up the majority of their poker play. They keep a tournament bankroll separate from their regular cash game bankroll. In short, tourneys are their wheelhouse.

Five Steps to Picking the Perfect Poker Tournament
Follow these five steps and you’ll have at least one perfect option for your particular style of poker play.

Step One: Figure out what field size you’re interested in.
Do you want to play against dozens of other players, or thousands of them? The name of the game in a tournament is for good players to take money from less-skilled players. That means good players have a higher expectation when they’re playing against fish. That means (generally speaking) a skilled player enjoys a much higher ROI in large tournament fields.

Why would anyone play anything but a massive tournament, if smaller tournaments mean more skilled opponents? Smaller fields mean less variance. Playing against large fields means that you’re more likely to lose every tournament you enter than when you enter tourneys with smaller fields. You earn more consistent winnings if you can compete consistently against smaller (and more skilled) fields of competitors. It’s tournament poker’s most annoying Catch-22.

Step Two: Determine your ideal buy-in.
Amateur players that don’t worry too much about their bankroll should pick a tourney based on the amount they’re comfortable losing in proportion to their skill level. In other words, if you enter a small pool tourney featuring players who are mostly better than you, you should be prepared to lose the entire buy-in. At that point, the tournament’s 100% fun, exactly what amateurs are in it for. All players can follow this rule, since the key to it is that you’re choosing tourneys based on both your skill level and your financial comfort level. It means you won’t be distracted worrying about money, even when it’s down to you vs. the final table.

Step Three: Decide how difficult of a field you want to compete against.
We established in Step Two that it is generally tougher to win tournaments with larger buy-ins, because those tournaments include mostly highly-skilled players. However, this rule has a huge exception.

Tourneys that get a lot of publicity but also happen to have a large buy-in tend to feature people who are playing for the prestige. The best example is the World Series of Poker, where plenty of total amateurs that have no business competing in poker’s biggest event cough up ten grand so they can play in the same tournament as the big boys. Of course, not all examples are this extreme. You’ll often find people playing way out of their league at hefty buy-in online tournaments. It’s all about doing your research.

Step Four: Find your ideal blind structure.
A tourney’s “blind structure” is the number of chips you start with relative to the tourney’s blinds. This structure also lets you know how quickly those blinds increase over time. Amateur players in it mostly for fun and excitement should look for events where they start with a large number of chips and the blinds move up very slowly. This will get them the most bang for their buck. This shallow structure reduces the impact of player skill, at least for a few rounds.

Skilled players need to consider what the strongest part of their poker game is, then pick a structure that matches their abilities. I’d suggest that ring game players choose deep stack tourneys so that the tournament looks and acts like the games they know and love. If you’re used to playing in tournaments, you might like the thrill of the shallow stack setup, and you might be the type of player who makes their best moves in tight game situations.

Step Five: Shop for the best prize structure.
This one is really all about personal preference.

I suggest that you concern yourself mainly with the cut taken by the house. Small stakes online tournaments tend to pay the house 10%. If you’re playing in a tournament with a buy-in above $100, you’ll pay slightly less of a cut to the house. Be careful about entering the super-tiny pool low stakes tournaments online with a rake of 20% or more. When you’re playing with a shallow structure and a huge rake, you’re basically playing the toughest possible online tournament format.

Conclusion
In case you haven’t gotten the point by now – you need to tailor your online poker tourney choice to the specifics of your poker game. It starts with an honest assessment of your abilities and your likes and dislikes when it comes to online poker. If you combine that accurate look at your poker skill with a logical choice of poker tournament, you’ll be giving yourself the best chance of being a tournament winner.

Be A Clean, Green Shopping Machine

For many years, the economy in Australia consisted of products made by the people who lived here. Like many countries, goods and services have slowly been moving off shore due to cheaper employment and raw material costs in other countries. Today the market in Australia is flooded with products that come from all over the world. This has been great in some ways (cheap Japanese cars and out-of-season fruit, to name but a few) and the cheaper prices have made some purchases a lot easier on the pocket. In other ways it has been detrimental with local businesses being closed and a significant portion of manufacturing being moved overseas. We hear a lot about supporting local but what are the reasons for buying Australian-made compared to a (sometimes cheaper) import?
As a shopper, you might like to think of your purchases as a vote for what you consider appropriate behavior from the store you are buying from. If you think it’s reprehensible to test on animals (let’s face it, it is) then you wouldn’t buy from a store that doesn’t have a strong stance on this subject. If more people feel like you do and stop buying these types of products, the industry will listen and your ‘vote’ will help create a greener, cleaner, friendlier shopping environment – as you can see from the number of green and organic products beginning to surface today – a good sign consumers are moving in a positive direction!

After you’ve set your own moral compass for shopping you should consider adding supporting local business onto your list of requirements. If local businesses flourish, so will the local economy. Yes, buying local can cost a few extra dollars in some cases, but often the extra investment can purchase a product that’s made out of higher quality materials that will last a lot longer than their cheaper counterpart.

You may also want to consider supporting local when it comes to fruit and vegetable shopping. This will mean only buying seasonal fruit when it’s actually in season. Also, think of the cost and environmental impact of importing consumables like fruit and vegetables. If you’re buying off a local farmer, your goods have used less fuel to reach you and will often be much fresher.

Another green shopping method is buying items that are handmade. They can be more labour-intensive than mass-produced imports, but this often means they will be better quality, lasting you longer and lengthening the time before replacement is needed. This effectively reduces the cost in the long run anyway. For example, a craftsperson spends time honing their skills to make a handmade product. The process starts from ground zero and is completed with patience and practice. Only the best materials are used and a learned tradesperson has the know-how from years of experience, to create a long-wearing work of art.

Finally, try to source natural and organic products where you can. Shop for clothes that are made out of natural fabrics and beauty products that are organic and cruelty-free. Your purchasing decision will encourage slow-fashion companies that use natural, non-polluting fibers for manufacturing their clothing items. In making these choices, you can diminish the poor-quality clothes (or throwaway fashion) that are made out of synthetic fibers, which are bad for the environment and your health.

The same goes for beauty products. There are many local companies that manufacture organic, eco-friendly, and cruelty-free products, which are much better than the ones that are mass-produced and contain a wide range of chemical and toxic components. Organic products are great for your skin and body, are entirely safe to use from all points of view, and are not tested on animals, which means that they don’t have to suffer in the name of biped beauty. With this information in mind, we encourage you to go forth young grasshopper and become a sustainable shopper!

Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

Get a Free Quote for Mortgage Life Insurance

If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

How to Find Profitable Video Poker Opportunities

Everyone has their favorite casino games and everyone wants a chance to win some money while playing these games. Some people are more interested in playing as long as possible than having the best chance to win on any given trip.

Video poker offers some of the best chances to extend your bankroll at the same time as having a chance to land a big win. The secret is finding a machine that offers a high percentage return to the player and learning to play using the best possible strategy.

Every game requires a different strategy, but there is a correct way to play every hand of video poker. Even in a situation that loses in the long run, there is a way to play that loses the least amount of money.

Jacks or Better and Deuces Wild
In addition to learning the best strategy you have to be able to find machines that offer the best payouts. I know I mentioned this already, but if you can’t find a machine it doesn’t matter how good it pays or how well you know the strategy.

For example, there are a few video poker machines that pay back over 100% with perfect strategy but they are almost impossible to find. This post concentrates on a couple popular video poker variations that are fairly easy to find, Jacks or Better and Deuces Wild.

You can find many different pay tables with some offering better payback percentages than others. Here are the pay tables that you need to find to have the best chance to win while playing video poker. (There are a few better pay tables available for Deuces Wild, but this is by far the most common “good” pay table you will find.)

The best Jacks or Better pay table is often called a 9 / 6 which stands for the pay back for a full house and a flush. The return is over 99.5% with perfect strategy on a 9 / 6 machine. Here is the complete pay table.

800 Royal Flush
50 Straight Flush
25 Four of a Kind
9 Full House
6 Flush
4 Straight
3 Three of a Kind
2 Two Pair
Pair of Jacks or Better
The most common favorable Deuces Wild pay table is called a “not so ugly ducks” machine. You may see this referred to as NSUD. The pay back percentage with perfect strategy is over 99.7%. Here is the complete NSUD pay table.

800 Natural Royal Flush
200 Four Deuces
25 Wild Royal Flush
16 Five of a Kind
10 Straight Flush
4 Four of a Kind
4 Full House
3 Flush
2 Straight
Three of a Kind
The next step after finding the best machines is using the best strategy. I suggest picking up one of the strategy cards that are about the size of a credit card and using it while playing. This way you can always see the best play.

Comps and Player’s Clubs
When you play the machines listed above giving the house less than a half percent edge you can play longer and keep playing long enough to give yourself the best chance at winning a top payout by hitting a natural royal flush.

You also should always combine your video poker play with as many comps as possible. Most casinos have a player’s club that you can join that rewards you for your play. You may earn cash back, free hotel stays, free meals or many other types of benefits.

Even if your rewards don’t include any actual cash, they are still worth something. If you get a free meal that would have cost you $20, it’s the same as winning an extra $20 because it is money you didn’t have to spend.

Most casinos don’t pay back enough through their player’s clubs to let you consistently play with an advantage against them, but you may be able to play a break even game in the long run.

The majority of players don’t play correct strategy so the casinos take their money quicker. Sometimes player’s club benefits are determined based on everyone’s play so if you play perfect strategy you may be able to gain a small edge with your benefits.

Either way, if you always play using the best strategy and take advantage of the player’s club benefits you are doing everything you can to reduce the advantage the house has.

Video Poker Tournaments
Another area that can offer extended playing time on a set bankroll and / or a chance to play with a small edge over the house is playing in video poker tournaments.

A video poker tournament is a contest where the players play video poker for a set period of time. The players with the highest balance at the end of the pre-set time either moves to the next round of play or wins the prizes.

You may be able to find free video poker tournaments, but most of them have an entry fee.

You may be wondering how you could play with an advantage over the house in a video poker tournament. Here is an example.

Many tournaments have a minimum guaranteed prize pool and sometimes there aren’t enough entrants to cover the entire amount. This is called an overlay. If the guaranteed prizes total $1,000 and there is only $900 in entry fees, there is a $100 overlay. This creates a profitable situation for the entrants. On average, each entrant will win a percentage of the overlay based on how many entrants there are. In real life only the players who finish in the money enjoy the overlay, but if you put yourself in enough situations with an overlay you will come out ahead in the long run (Assuming you play at an average or above average level. This isn’t difficult if you use basic strategy.).

Conclusion
You can use video poker to extend your casino play and combine it with player’s club benefits to give yourself the best chance to win. Always play on the best machines, sign up for the player’s club and use the best strategy.

Racing Awards, Medals and Customized Gear for Runners

Running, whether it be a 5k with the family, a 10k for an extra challenge, or a marathon for the elite runners, can be a very exciting and memorable experience. Running is a very personal sport to lots of people, as it can be great exercise and can make you look and feel very refreshed. Tons of awards are given out to winners at races each year. For people organizing these racing events, finding customized and personal running gear can be difficult, as well as finding unique prizes for running champions. When orchestrating a race, you want to have a memorable competition. Medals and unique prizes can help to make the race more exciting. Participants can keep prizes as souvenirs, and remember the experience better because of a keepsake.
The most important souvenir a competitor can take home is a winning medal. Those are worn with pride, and showed to family members and friends. They are often hung on walls, or shown off where they can be seen. Of course, medals need to be personalized, unique, and specific. You cannot award a running champion with a medal that doesn’t recognize what it’s for. It is often a perfect idea to find a company that will provide you with customized prizes for winners. Often, you can ask for customized medals that include the date, the name of the race, and the name of the company sponsoring and orchestrating the event. That way, when people proudly show their winning medal to others, the people who made the event happen will receive the credit and publicity they deserve.

In addition to medals, running apparel and gear can be a great way to make the race more memorable. Unlike medals, gear is commonly worn and would be used often. Passing out swag, such as customized shirts, jackets, hats, and bags can be a great way to add to the excitement of the race. Races with their own gear are viewed as more unique, as they have customized logos and attractive designs. Shirts can be given out to families, and jackets can be sold at the finish line. Hats can be passed out before the race to keep the sun out of the athlete’s eyes. And, of course, bags can be kept forever and used for multiple occasions. Having the name and date of your race on these items can help to increase publicity and help the runners remember what a successful and memorable race it was. Customizing these mementos can help to define a great race, and will definitely help a race to be more exciting and enjoyable.