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Can I Buy Travel Insurance After Departure?

Many people are unclear about the travel industry. Travel agents are often thought to be the same as real estate agents. Becoming a travel agent or more specifically a home based travel agent is an exciting career change or retirement option. Some people do it full time while many do it as a part time business.

A travel agent books travel for customers and is paid by suppliers a commission on the booking. For bookings that suppliers do not pay a commission on, a travel agent also can charge the client a service fee for his/her time. An example is if you were to book a hotel for a client, the hotel would then send a check to the agency after the client checked out. Most hotels pay 10% of the price of the hotel before taxes and fees. A $100 per night hotel reservation would mean $10 a night for the travel agent who made the booking. This hotel would cost the same whether the customer uses a travel agent or books through the hotel directly. In many cases the travel agent can get a better price. It costs the customer nothing to use the travel agent unless the travel agent charges service fees.

Can anyone do this? In order to work with suppliers, you must have an account set up with the supplier. Most require an agency to hold an IATAN, CLIA or ARC number. IATAN stands for International Airlines Travel Agent Network. CLIA stands for Cruise Lines International Association. ARC stands for Airline Reporting Corporation. Each of these memberships requires different things including sales, money in the bank, experience or training in the industry, and membership fees. Many will require Errors and Omissions insurance of $1,000,000 or more. Scentopia singapore

For the average travel agent, membership is not a possibility with some organizations so the agent will team up with an agency and work as an independent agent or outside agent. There are also advantages of working with an agency because most travel agents cannot make enough in sales with a particular supplier to obtain higher commission levels and bonuses. Working with an agency with many agents can increase the commission percentages the agent gets because of the joint sales of all the agents at the agency. Support is also a very important aspect of being a successful agent. Agents who do not work with others tend to feel more isolated and have to learn to do it all solo. Since no agent can have the experience of being everywhere in the world or staying at every hotel or resort, having others that you can get advice from is really helpful.

The future of travel agencies is always questioned. The truth is the industry has changed in many ways. Some changes were for the better, some for the worse. Many airlines have cut commissions for travel agents. However, there are many other suppliers who are paying travel agents more than they were ten years ago. Cruises used to be booked by only the rich and now people in every income book cruises. Each year more and more people go on cruises. Most people say they want to go on a cruise at least once and many who go on their first come home to want to book another.

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Football Betting Tips – Money Management

The search for profit does not end once you have found the best football betting tips. There is still a lot to be done to ensure consistent profit. Money management is just as important as using the right football betting tips.

However in the rush to get their money on, most people overlook this important aspect of football betting. So what is money management? Let’s look at it in simple terms: You are betting on two football matches. You know that one will produce a profit 80% of the time and the other has a 50-50 chance of winning. You would want to put more money on the match with an 80% chance of profit wouldn’t you? That is money management.

It is basically managing your money to cope with risk. So logic says that on the risky bets, you should risk less money and on the bets that are stronger, you need to stake more money. This may seem like common sense to you, but it is often overlooked.

Now the next question is: How do we calculate how much to put on a team? The most common method is to use the same amount (level stake) on each selection. While this can work in the long run, in the short term you have to watch out for long sequences of losers from the bigger priced football tips. Four or five losers in a row can quickly deplete your bank. Therefore it may be better to look for a different approach. sbobet

Another approach suggested by many is the Kelly Criterion. However, Kelly requires you to know the probability of a win. The bet size is then determined by first converting the price on offer into a probability. You then have to estimate the probability of your bet winning. The difference between the sports book’s price probability and your probability has to be positive. If it is negative, you should drop this football tip like a ton of bricks and move on to the next match. The size of the bet is then calculated using this difference in probability. A larger difference would suggest a larger investment and a small difference would suggest a small investment.

Now as you can imagine, the average person can’t estimate the probability of his football prediction winning. So this method is of little use to him. Yes, the mathematicians’ and professionals rave about this formula, and don’t get me wrong, it is great in theory – but it fails in practice. If fails for at least for 90% of the people who try to use it, and I’m guessing that’s you and me included.

 

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Gambling Addiction Treatment – Do You Need Gambling Specific Therapy?

At what period in history did people start to gamble? The exact period is unknown but believe it or not, pairs of dice have been found in Egyptian tombs over 4,000 years old! Also, gambling games were played in ancient China, where Poker is thought to have originated. In 1492 during the Columbus landing, Native Americans were sports betting on the outcome of a game resembling LaCross. So when did it all start in America? Read on.

Early America

Gambling in America started with the first English settlers in the 1600’s. Their traditions included card games that were part of the aristocratic lifestyle. However, when Puritans colonized in Massachusetts Bay they had the freedom to create their own culture which included hostility towards gambling. They outlawed the possession of dice, cards, and gambling table games in their communities. Nevertheless, gambling prevailed in other localities. Many English colonists considered gambling to be a suitable form of entertainment.

The Revolution

The colony of Virginia was the first to realize that lotteries could raise capital for local governments. Eventually all 13 colonies were raising lottery revenue. Proceeds helped build Universities like Harvard, Yale, and Princeton. Lotteries also funded churches and libraries. Founding Fathers George Washington, Ben Franklin, and John Hancock were promoters of specific lotteries for public works projects. When the Revolutionary War started, the Continental Congress voted for a $10 million lottery to finance the war.

Westward Ho

During the early 1800’s the taverns and road houses allowed dice and card games, creating the first version of casinos. As America’s population began to increase, casinos became more lavish. The Mississippi River was a major trade route where merchants and entrepreneurs brought their cash. Gambling on riverboats became a favorite pastime and New Orleans became the gambling capitol of America. In 1849 gambling followed the pioneers to California during the gold rush. Gambling establishments began to flourish there and west of the Mississippi, including Nevada. In the late 1800’s Roulette was adopted from France and the Slot Machine was invented.

Much of the public viewed gambling as a social ill because it was linked to alcoholism and prostitution. Reformers convinced jurisdictions to shut down the Dens of Iniquity. Most states discontinued lotteries as well. Riverboat gambling dried up with the advent of the railroad. By the end of the century only Nevada allowed gambling. วิธีเล่นไพ่ดัมมี่

20th Century

In 1910 Nevada finally shut the door on gambling, which left horse race wagering the only legal entity in America. In 1912 Arizona and New Mexico were granted statehood under the condition that gambling remain outlawed. During the 1920’s prohibition era, the public’s thirst for gambling matched that of alcohol. Casinos went underground along with the speakeasys. In 1931 Nevada legalized gambling again and remained the only state to do so until the latter half of the century. Gambling flourished underground as organized crime made heavy investments in Nevada, and prospered by controlling off track betting and the numbers lottery.

During the 1950’s the U.S. Senate investigated organized crime’s link to illegal gambling. Eventually the mob departed Las Vegas. States put bookies out of business by legalizing off track betting and numbers games. Atlantic City approved gambling in 1976, the Indian Gaming Act was approved by congress in the late 1980’s. Dockside riverboat gambling made a comeback, racetracks installed slot machines while Las Vegas reinvented itself by building mega resorts during the 1990’s.

Century 21

The American Gaming Association reported that there are 832,988 slot machines spread out over 1,151 casinos and racetracks across 44 states with more on the way. It appears that the American culture’s thirst for gambling matches that of the Egyptian Pharaohs! America has embraced gambling as an acceptable form of entertainment.

 

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Gambling Addiction Treatment and Help

There are more and more gambling opportunities in the world than in the past. With the advancements in technology there have been more opportunities on the internet in forms of online casinos, or gambling rings. Gambling addiction starts with the individual. There are many who will say that it is not their fault they became addicted, but they are only searching for a scapegoat. Gambling addiction is defined as the inability to restrain yourself from gambling causing you to reap the consequences personally and sometimes professionally. However, there is treatment for such a cause. Some treatments to help with gambling addiction are:

1. Gamblers Anonymous– This is a program that is similar to Alcoholics Anonymous. It is a twelve-step program and is free to obtain recovery from the gambling addiction. The program allows you to rely on a “higher power”. With the extra help, the gamblers anonymous course helps gambling addiction victims conquer their addiction in a healthy manner.

2. Treatment Centers– For those who are unable to stick to the gamblers anonymous program, there are treatment centers that isolate you from the initial threat of gambling. In the treatment centers, you can get rid of your addiction in a less conventional way. With the different methods that treatment centers offer will allow you to see the addiction side of your problem.  UFABET

3. Environment Withdrawal– The final method in the gambling addiction treatment is without treatment centers and gamblers anonymous. This is through withdrawing yourself from the temptation of gambling. When you do this treatment, it is hard on you. Quitting at once is not always the best method to take. There are times which this is the last resort.

Gambling addiction is not to be taken lightly. It is an addiction that can cause dire consequences that are not always easily mended or not even at all. When you have an addiction, you need to remember to have a support team that is there to help you along the way. Surrounding yourself with people who support your addiction is never the best idea for you. Have people who know how to stay away from that certain type of addiction and introduce other alleys for you to do. When you overcome your addiction, you can feel better about yourself. Overcoming anything not only makes you feel good about yourself, it also boosts the way you view others. Get down to the problem of the gambling addiction and find the right treatment that works for you. In doing so, you will not lose those who you feel close to.

 

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Which Forms of Gambling Are Legal in Louisiana?

Louisiana is known across the country for its great food, music and festivals. Louisiana is also known for its gambling. People come from across the South to enjoy the food in casino restaurants and to gamble on riverboats. While the Mississippi Gulf Coast has numerous casinos, almost all forms of gambling are illegal in neighboring Texas and Arkansas. This article provides a brief summary of gambling activities that are legal in Louisiana and those that are not.

Gambling in Louisiana is defined as “the intentional conducting, or directly assisting in the conducting, as a business of any game, context, lottery, or contrivance whereby a person risks the loss of anything of value in order to realize a profit.”

LEGAL GAMBLING IN LOUISIANA

Age restrictions: To participate in the state lottery or horse track betting you must be 18 years old. To gamble in a casino or on a video poker machine, you must be 21.

Casinos and Racetracks: Riverboat casinos are legal in Louisiana. “Riverboat” refers to anything floating in the water, which results in many riverboats consisting of large structures on anchored barges near the shore. A land-based casino is licensed by the state in the City of New Orleans and on Indian tribal land. Betting on horse races are legal but dog racing is illegal.

State lottery: The Louisiana Lottery began in 1991 and lottery proceeds are legislatively earmarked for improving Louisiana’s educational system. The Louisiana lottery includes numbers drawing, Power-ball, and scratch off tickets.

Video poker: Casinos and racetracks in the state have video poker machines, as do a number of restaurants, gas stations, bars and truck stops. In Louisiana, if a business has a liquor license, this license allows you to have up to three video gaming machines. Truck stops can operate more video poker machines depending on the amount of fuel they sell.

Social Gambling and Charitable Gambling: Social gambling (for recreational purposes and not for business purposes) such as pool games, personal bets or betting on sports is legal in Louisiana as long as nobody takes a “cut” or fee from managing the transaction (other than awards to the rightful winner). Certain gambling activities such as raffles, bingo and keno which are directly associated with charitable fund-raising for non-profit organizations is legal. pgslot

Commercial cruise ships in international waters: Gambling on commercial cruise ships that travel internationally (beyond 12 miles offshore) is legal.

Taxes: Any establishment that gives a one-time gambling award of $600 or more is required to report the winning, along with the recipient’s social security number, to the IRS and Louisiana Department of Revenue. Residents are required to report gambling revenue as taxable income on their federal and state tax returns.

 

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Slot Machines – How to Play?

The first slot machine called “Liberty Bell” was invented by Charles Fay. He created this at his workshop in San Francisco in 1887. This slot machine was bit smaller than the present one. This slot machine, Liberty Bell had 3 reels and 20 symbols and its operation was the same as today’s slot machines. In relatively short period of time, Fay’s creation became popular and successful.

A slot machine “Operator Bell” similar to “Liberty Bell” in design was created in 1907, by Herbert Mills. He was a Chicago manufacturer. This slot machine had experienced a greater success. In 1910 slot machines became very common throughout USA.

What are slot machines?

A slot machine is a mechanical device which has varying number of circular reels of different dimensions. These reels have various symbols on it either painted on or they are attached to it. There can be any symbol but the most common designs are cherries, bars or the jackpot symbol number 7. The symbols on the machine make no difference to how the machine will play or what and how much it will pay out.

How to play the game?

The game begins when the player inserts a number of coins or gaming tokens into a coin slot which is in the front of the slot machine. Then the player pulls the handle which is fixed to the right side of the machine that sets the reels spinning. The reels come to a halt in order from left to right on the screen. The main objective is to line up matching symbols on the pay line. The schedule of winning combinations on the front or just above the machine, indicating the hierarchy of winning combinations and the amount that each one pays whenever it appears on the active pay line. บาคาร่า

Some modern machines have a button instead of the handle. This button is marked as “spin” which is pressed by the players to start the reels turning. Some modern machines have the button marked as “credit”. If the player presses this button before inserting coins then, instead of paying winners off in coins, the machine will automatically credit winnings to a credit meter. The credited winnings appear numerically on the machine’s credit meter display, and, as an option, the player then has a choice of playing these credits, or cashing them out. If the player wants to play the credits, the player can press the button which is marked as “play one credit”. The each time this button is pressed the machine will reduce one credit from the credit meter and schedule one matching coin as “coin in”. The player can press this “play one credit” button up to the machines maximum coin limit.

For example, if the machine on which the player is playing takes 5 coins as maximum, then player can press this “play one coin” button 5 times. These coins are reduced from the player’s credit meter and then credited to player’s next pull. The machine will usually say “coin accepted” on the screen, when this is done or the display will light up in some cases. The result is the same as if the player had put five coins in the slot instead of using the credits he had collected. Most of the modern machines also have one more button called “play maximum coins”, sometime also identified as “play five coins” if that machine’s maximum is five coins, or “play four coins” if that machine’s maximum is four, and so on. By pressing this button, the player will automatically play the maximum coins which that machine takes. The player may also cash out these credits by pressing a button marked “collect”. By pressing this button, the machine will pay out in coins, or gaming tokens, all the credits indicated on the credit meter. These coins then fall to the plate mounted at the bottom of the machine.

 

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Learn Sports Betting and Rake in the Winning Cash

Whether you are an avid sports fan or just someone who wants to make some extra cash online quickly, anyone can learn sports betting and benefit from it if it is approached correctly. Professional betters use consistent winning strategies to become very wealthy and even provide a full-time income for them. Wouldn’t it be great if you could do that too? It’s not as difficult as you might think.

What You Need To Understand To Learn Sports Betting

Many view betting on sports as a form of get-rich-quick schemes, but if you want to do it right, you must understand that it involves a lot of hard work, good preparation, and extensive knowledge of the sport that you will place your bets upon. Strong money management, patience, and disciplinary skills are needed for consistent wins. Additionally, you must have the ability to know when to only place your bets when the odds are most in your favour. แทงบอลออนไลน์

Learn Sports Betting 101

All forms of gambling are games of chance. You are generally trying to predict the results of sports of most interest by placing your wager on the sport’s outcome. There is usually always a “favorite” and an “undedog” in each and every game.

The Role Of The Bookmaker

To learn sports betting, you must understand the role of the bookmaker, who practices the determination in advance the odds of both teams chance of winning or losing the game. The purpose of this gives you a chance for betting on the statistical probability of a team’s chance of winning that specific game or event. Keep in mind that the bookmaker always posts odds so it becomes favorable to place a bet on either team. Moreover, these odds are determined to encourage betting on both teams.

Legal Considerations As You Learn Sports Betting

Before you jump into learning the ropes of betting on sports, it would be wise to check in with your local legal limitations in terms of sports betting, as they can vary from country to country. Some countries deem sports gambling as strictly forbidden, whereas others see it as a hobby for sports fans and use it to increase enthusiasm and eagerness for certain sporting events.