I Have A Problem Gambling And I Have Lost Everything

To often compulsive gamblers utter the words I am have a problem gambling and now I lost everything. At this point in their life they are finally ready to admit they have a problem gambling. These same people are increasing at an alarming rate.

Only a year ago things seem to be less dramatic then they are right now when it comes to gambling addiction. The accelerated growth in this addiction is paralleled to the growth in the gaming industry. Since a significant number of our population have now been exposed to this gaming industry the negative affects are more apparent. Each and every day we hear a new story about someone who has lost everything due to their gambling addiction and we may now know someone who also has been negatively affected.

Now that we know people are addicted to gambling, what should we do? This is a very difficult question to answer but I believe education and awareness can help those inflicted with this self destructive addiction. Unfortunately gambling addiction also affects all those around the compulsive gambler.

I have received several emails from people who believe their solutions would help decrease the accelerated growth of those addicted to gambling. The following are examples of those emails:

We should outlaw all forms of gambling.

The gamming industry needed rules and regulations that they must adhere to like the alcohol industry.

At the very least remove all ATM machines from gambling establishments especially casinos that have slot machines.

No Check cashing allowed at any gaming establishments

No alcohol should be allowed in casinos

Gambling establishments should not be allowed to use the postal service to send incentives for people to come to their place to gamble. Most people are easy prey. The gambling establishments send a fifty dollar gift certificate knowing the gambler is going to spend a at least ten times that amount.

No large billboard advertising. This industry makes their money by drawing on the innocent only to hook them and take everything they have worked so hard for.

No commercial advertising, donating to charities or sponsoring of the local news.

The above email comments are from those who have suffered directly to the the gaming industry. Remember it is not only the gambler but their family and friends who also have been negatively affected. They are biased and they have a right to be.

Remember these words I have a problem gambling and I have lost everything. because this could be you or your family member. If you even have the slightest notion you have a problem gambling, face it straight on and take the appropriate action. You can recover before you lose everything you have worked so hard for.

If you are have lost everything, you can rebuild your life and move forward. There are so many people who have walked in your shoes. I know this can be very painful, but with each day that passes as you begin your road to recovery you life will get brighter and brighter.

Deciding On The Suitable Overseas Park Home Insurance Plan

Park Home insurance coverage are dissimilar to both normal house insurance and buy-to-let insurance, so don’t make the fault and visualize that it is easy to invest less and corners using the improper range. This is a plan which usually Park Home Insurance Comparison your personal effects whether you go to home or not. House insurance often includes protection from theft, fire, lightning and various key risks confronting a home-owner. Residential property is consistently considered an excellent investment and naturally, when we place money into something, we should achieve the most effective turnaround feasible, being affordable where we could effortlessly and getting rid of on needless expenditure so that the return we obtain should are much better in good time to leave, yet you can uncover edges that ought to not be cut.We have found some material on what holiday residential property protection is exactly approximately and why must we need them. You must initially find an expert Park Home insurance service provider, or maybe a professional dealer. Your plan could well be split into building cover and contents cover. Equally with your major residence, abroad residential property insurance cover should provide a comparable protection over its structure and materials. Numerous UK Park Home insurance plans demand that plumbing and container equipment are cleared in the event the property is untenanted and temperature levels drop listed below 8 degrees.Regular resident’s and tenant’s insurance coverage include insurance coverage of house products, that includes electronic products along with various other pricey goods, yet around a particular limit. A bunch of professional insurers will offer both Park Home and Park Home insurance plan, therefore it’s important that if you’re trying to find insurance you pick the security that many very closely fits your system and the means where you utilize it. Some insurance coverage can dismiss fraud claims other than in cases where door/window locks satisfy a given requirement and shutters/grilles are okayed and utilized. Likewise, lots of insurers can not work out a claim unless there is proof of a burglary, so make sure ought to you leave your property Compare Residential Park Home Insurance.
Variables influencing on Spanish Plans – Spain has actually not got similar subsidence issues as Britain and to a smaller extent France as its aquifer is a lot lower, the ranch is usually normally completely dry. It is really simple sufficient to locate insurance for Park Homes in Spain and you will discover lots of companies that have got English-speaking team however look out as a variety of times the actual policies are created just in Spanish consequently it is necessary one does understand the things you are being covered for. Your Spanish residential property insurance will have to cover you from damage a result of quake, storms and floods. Whilst in the event you require overseas vacation residential property insurance any sort of additional costs ought to be to cover the elevated threat of cave in.
Park Home Insurance Comparison

Other than discovering complete insurance protection after your structure and its components, it’s also smart to have an insurance protection versus liabilities. House proprietors Liability: Without doubt the vacation home owner really ought to be concerned regarding the considerable downfalls arising from different party responsibilities. Assessment the insurance protection against the valuation by yourself individual property. Inevitably, inspect that the Park Home insurance provides completely prolonged materials cover and liability cover. For homes which could possibly be let on short-term agreements you should make certain you have the appropriate policy. Holiday homes are specifically vulnerable to storm and frost deterioration in winter, considering that they often run dangerous presently.So an excellent overseas Park Home insurance is essential to manage your very own investment. Make certain your Vacation Home Insurance coverage consists of Householders Liability of at least ? 2,000,000 of cover. For example, a few Park Home insurance plan really do not guard non residents. To start with describe your Park Home insurance broker that the usage of Key Safes is adequate www.themoneylion.co.uk/insurancequotes/property/parkhomeinsurance
. Numerous other Park Home insurance strategies may state that they could cover precisely the items not in our home. Other Park Home insurance coverage run in an in contrast style wherein they cover the outside but not the inside. You should not pick the confidenced Park Home insurance companies who have a lot of obligations to please.Lots of people believe that purchasing Park Home Insurance is no different from acquiring an insurance coverage for a standard home. However, as a result of the special nature of mobile homes there are necessary points that a home owner must understand just before acquiring a policy. These distinctions are commonly overlooked by homeowner yet understanding them will considerably increase the possibilities of getting the best offer when purchasing an insurance policy.Just what Makes a Park Home Different Considering that mobile homes are built in manufacturing plants, they comply with US government’s Park Home Building and Security Requirements along with state and neighborhood real estate codes. They are likewise baseded on a steel framework and hauled on wheels to their site. Since June 1976, factories making Park Homes follow meticulous federal government guidelines kept track of by the United States Department of Real estate and Urban Development (HUD). This guarantees that your house is developed to last and the products utilized pass a top quality requirement.

There are 2 significant differences in between a traditional home and a mobile home. Initially, Park Homes are integrateded factories and are far more cost-effective compared to standard ones. Because they are mass-produced, material and effort expense is greatly decreased. The second major distinction is typical homes are improved website giving a tougher base. This doesn’t indicate that a mobile home is unsteady. Part of the HUD policies and rules about Park Homes is that it should be attached to an irreversible structure Park Home Insurance Quotes. This is obtained by preparing an on-site base for your Park Home, called tie-downs, ground anchors and block structures that considerably aid in the security of your home.Readying your Home In spite of the recent advancement and laws in making mobile homes, insurance business still consider them riskier to cover compared to conventional homes. Don’t be surprised when you observe that insuring your home is more costly. Exactly what you can do in order to counter this is to see to it that your home has all the required devices and upgrades to get rebates. If you possess a doublewide or a multiple-section Park Home, you could likewise obtain a cheaper insurance coverage since it’s considered to be much more stable compared to a singlewide home. And similar to a traditional home, furnish your house with thief and emergency alarm for better security and security. Winterizing and protecting your mobile home is likewise an excellent step considering that it limits happenings of icy water pipes and will certainly likewise save you cash in heating and cooling your home. Although such actions present added prices, making these renovations will certainly not only acquire you insurance rebates but will additionally make your family members safe and safe.Scouting advantageous Mobile Home Insurance Make certain to get quotes from a number of insurance firms just before purchasing any plan. Since mobile homes are ending up being a lot more popular, some companies have created customized policies that provide better Park Home Insurance. If you have car insurance, ask your insurance firm to evaluate your home since business provide discount rates for multiple policies. If you have no idea where to start, you can constantly browse the internet and try to find companies that offer cost-free quotes and professional assistance on how you can get the best Park Home Insurance in your area.

Online Games Is Coming In Like A Tidal Wave!

Online games are growing in popularity at an alarming rate. Many online games imitate real life with virtual scenarios. Online games are now accessable to most of the world’s population. As many as hundreds of online games players can often be found exploring and interacting in virtual environments.

Many free online games are becoming hugely popular due to the ease of access. Furthermore, online games are growing on a global scale and attracting a broader range of demographics than the traditional video game industry. In fact, online games are being perceived as the future of the interactive entertainment industry.

Many free online games are flash or java games that require plugins and other downloads in order to play. On the upside, all these free online games are available for your immediate game-play, 24 hours a day, 7 days a week. Although many online games are free some sites require that you pay to play better quality games.

For many people these free online games are addictive. What makes these online games so addictive? There are 2 top reasons why free online games are addictive: 1) they are fun 2) the thrill of winning. Most free online games allow instant play access to any player who is online. Instant play adds to the addictiveness of playing online games because of it’s instant gratification.

Some people may not understand why online games are so addictive. For those of you that don’t know, online games are not like your old school Nintendo or Play Station games. Profits to big games companies are soaring from online games that are very popular and addictive. The most profitable online games are the pay for play games which have also been steadily growing in popularity. What makes online games most addictive besides the fun of winning is their interactive nature. People are drawn towards fun and entertaining ways of connecting with other people.

2 main categories of online games which are available to the public are: 1) Interactive games where people play with and communicate to other people; 2) Single player games such as solitaire. A growing trend in online games is skill based games for money where players are able to win prizes and cash. A chess tournament is one online game where every entrant buys their chance to win whatever the cash prize happens to be.

Which online games are attracting the largest gathering of people these days? There are online games resources on the Internet which offer the largest selection of online games. Some online games are “massively multiplayer” games, which means that a large number of players participate simultaneously. These online games are high-quality and challenging. As many as 100,000 people can be found at any given time in some of the more popular ‘virtual worlds’ type of games.

Also known as browser games, online games are often social, with online chat rooms or forums to help connect players. On our site online games are divided into different categories, online racing games, online shooting games, online sports games and other games. Our free online games are in the most popular categories: online action games, online arcade games, online card games, online puzzle games and online sports games.

Financial Services Funds For A Down Market

Buying into a financial services fund may not seem like the best idea, especially with the amount of instability in financial markets right now. But many experts and investors are saying that now is the time to invest in these kinds of funds. With prices so low, they are only going to grow from here on out as the financial climate of the nation continues to be repaired.Financial services funds are a type of mutual fund that is specifically focused on banks, lending institutions and other financial services companies. Mutual funds allow investors to get into the stock market without spending a lot of money on one type of stock. With a mutual fund, you are technically pooling your money with other parties and buying stocks as a group. The manager of the mutual fund will choose the stocks or bonds that will offer the best return for the category.Financial services funds offer a better deal than investing in financial services directly. When you use a mutual fund such as this, you get a number of different advantages. Your money is diversified across many different companies and institutions. If one financial institution has trouble, you aren’t left up a creek without a paddle. The rest of your mutual fund portfolio should balance out the hits that the individual company is taking.Another benefit of investing in the financial sector with mutual funds is that you get professional management of your funds. The financial services fund’s manager has the experience necessary to be able to determine when to buy and when to sell specific stocks and bonds. Their experience will help your money grow.Pooling your money also allows you to have more cost efficiency. If you have $5,000 to invest, you may be able to buy shares in two to three companies. However, when you invest in a mutual fund in the financial services sector, your money will be spread out far more equally. Mutual funds can contain stocks and bonds for up to 100 different companies. When you invest this way, you’ll be able to spread your money over a wide variety of companies which can act as a measure of protection.In late 2008 and early 2009, financial services funds were fairing too well. Based on the trouble with banks and lending institutions due to the stock market slumps, it’s easy to see why many people would shy away from investing in this sector. However, history shows that after a financial crisis the financial services industries have been boosted up in the following years. After the early 1990s recession, financial services funds rose 30% in 1992 giving investors a nice profit. Purchasing a financial services fund, or any fund for that matter, is not something that should be gone into lightly. Before you place your money in a fund, you should research the history of the fund, the company that runs the fund and even the fund managers. Once you evaluate this information you can figure out if investing in financial services through mutual funds will be your best bet.

Taking Your Personal Finance Situation Online!

In modern times, society has reached a point where money represents the number one force and everyone is interested in providing for himself. That has always been the law of nature but it seems that the more we struggle to lead an existence, the more credit we give to money. In the end, we are left with just one question: how can we understand better our personal finance situation? Where should we resort for help? The answer is more obvious than we imagine: the Internet!

The advent of the World Wide Web has brought numerous advantages and that includes the personal finance sector as well. Fortunately, we have a multitude of resources to help us out, providing all the information we need to know about financing, cheap loans, mortgages and other similar subjects. In fact, one single website can represent our portal into the entire financial world. We have access to multiple subjects related to personal finance and we are sure to find some of the best experts to provide us with the much-needed assistance, imparting valuable knowledge.

When you say personal finance, you automatically think about finding a reliable and experienced accountant. With the help of the Internet, not only you can discover some of the best accountants out there but plenty of other experts working in the field of accountancy. If you are in need of professional auditors, you can make good use of such services by getting their contact details. Also you can get in touch with one of those specialists that can provide you taxation-related services and an extensive analysis of the banking field.

If you are need in some professional advice for your personal finance situation, then you can go ahead and search for consulting experts. They can highlight the best investments for you to make, along with perspective risks and risk management strategies. Finance consultants are just the specialists you need to make it into the tough business world, knowing all the trends of the market and how to avoid potential pitfalls. They can provide an appropriate course of action in case you find yourself in debt, suggesting cheap loans and other procedures that are beneficial for you.

As for banks, the World Wide Web contains an incredible selection of the best and most reputable banks in London. You can easily access them and discover their offers for mortgages, cheap loans and other banking services. Most of these banks have just released Internet banking services, with great plans for savings and potential investments, so you can definitely check them out. With them, you will get a clear picture of where you stand when it comes to personal finance, versus the current market and get experts advice, particularly when it comes to managing your finances. If you want to be knowledgeable in the field of interest savings and financial planning, then these are the online resources you should look for.

The Internet is the perfect tool to discover a lot of interested things about today’s business world. As an example, if you are interested in cheap loans, you can certainly take advantage of the specialized resources offered online and compare a multitude of existing offers. No matter if you are interested in homeowner loans, unsecured loans or car financing, it is guaranteed that you will find a specialist to help you out and also get you the best possible deal. Also, most of these portals offer what is known as a loan calculator, the most essential thing you need to compare loans. As you are probably interested in cheap loans, this resource is perfect, taking into account the sum you want to borrow and providing you with set answers.

Many people are afraid to take up a loan because they fear they will go even deeper in debt. While that may be true for a few cases, most people are actually satisfied with the cheap loans they find online and consider that they were exactly what they needed. In order for the loan calculator to provide you the cheapest loan, you will have to mention the loan amount, the loan period (from 6 months to 25 years) and your residential status. You can also use the Internet to find out the best selling loans, the APR rate and also how you can use one of these cheap loans for debt consolidation. As you can see, when it comes to finance, the Internet is just what you need!

Dublin: A Nirvana For Folk Music Fans

Dublin is often referred to as the party capital of Europe; full of pubs, clubs and Irishmen extolling the virtues of ‘the craic’. One thing you will find in abundance in the Irish capital is traditional folk music and you certainly won’t have to travel very far around the streets of Dublin to find a place to have a jig and a swig!

Whelan’s in Camden Street, central Dublin is the place to visit for traditional and folk music. This exciting venue has had most of Ireland’s folk talent perform on its stage at some point. Just a stone’s throw away, also in Camden Street, is The Village another vibrant music venue, that’s well worth a visit.

Vicar Street – despite its confusing name – is not a street but a fabulous traditional music venue and can be found in Thomas Street in the heart of Dublin. This prestigious venue opened in 1998 promising to give Dublin a mid-size venue that would ‘punch above its weight’. It presents bands and solo artists that play all types and genres of music including traditional and folk, with big-name Irish bands such as the Dubliners appearing at this venue. Other artists that are slated to appear at Vicar Street include Dara O’Briain, Fionn Regan and Brendan Grace proving that it is living up to its promise to deliver quality acts.

Plus, you’ll find many more places where you can enjoy traditional folk music at most times of day or night. Bars, cafes and hotels in Dublin are all places where you can find Irish Folk Music being performed by eager and talented local musicians. Plus, you’ll be able to enjoy just about any other genre of music in Dublin that takes your fancy, from rock to classical. So, if you are planning to visit Dublin, or just toying with the idea, make sure that you are prepared for ‘the craic’!

And if you are in any doubt as to how much the Irish love their music, take note of the following example. The Irish Post Office has recently started selling a series of stamps that pay tribute to four iconic bands whose roots are based in traditional Irish folk music; The Chieftans, The Dubliners, the Clancy Brothers and Tommy Makem, and Altan. The bands have been chosen because of the success they have had in taking traditional Irish folk music to the world. The inclusion of Tommy Makem is quite poignant as he recently passed away, and these stamps make a fitting tribute to his life-time contribution to making Irish music popular throughout the United States. They are sure to become collectors’ items, so be sure to pick some up when you visit Dublin.

Gender, Sexuality And Religion

Gender and sexuality have been issues that are in discussion for sometimes now. Gender all around the world in every religion regards to some important discrimination that has been made. God is not gender bound as His role to us as human beings is like a father and a mother. The two sexes were created when he created this world, male and female. The sex is another biggest creation of God when he chose the two male and female to love and show their feelings.
Gender discrimination is an issue in all the religions and predefined rules are determined to the role of each. The male is the dominant part of the family including the females. Females are supposed to be the generation builder for the families. In the contemporary periods, the definition of all these issues has been changed. In various religions like Jews and Christians various modern ideas have been generated which have made the woman if this age to be lot more rights that were supposed to be practiced by them. According to the religion, the relation between male and female is the god gifted and provides you with the experience of love. Even in Christians the gender issues are highly distinguishable from all the issues and their importance was determined at the times when the holy books were written.
Gender is a necessary object for evolving. The human generation only evolve when the male and female get together to experience sex. Nowadays, in American society comprising on most of the Christians, the role of females is pretty much changed. The teachings of Jesus have not been followed in this time. Where the females are free to occupy any place they want. Also the respect that is given to the females is long gone in this modern society. The government seems to support the rights of females but that has made the females to leave their duty of generation. The sex was considered to be a sin in the long gone ages when the teachings of Jesus were followed strictly. The one committed this sin was subjected to various punishments. But now in this American society, sex is very common. Not in America only, in all the parts of the world where Christians live, they don’t feel it as a sin but look at this as their right of freedom that has been given to them by the governments.
The females are not secured in this society as well. We are looking at various attempts of rape going on in the country. That is the reaction of the relaxations that have been given to the people upon the practice of their religion.
Another important factor in the gender issues related in the Christians is the homosexuality. This issue is a hype issue that has gained popularity in recent years. Church prohibited this act as the biggest sin of the humanity to have same sex, but we are looking at the people who are committing this sin and there is no stoppage on them because of the freedom of choice that has been given to them.

Some Of The Most Popular Card Games For Kids

It may surprise you to hear that kids can be entertained by products other than high-tech, high-dollar video game systems, DVDs, and television. They don’t have to spend their game-playing time blasting aliens, swinging digital golf clubs, and blowing up buildings. Amazing as it may sound, kids really do enjoy traditional games like board games and card games. Card games are a great way for you to spend more time with your children and get them away from the television. In addition to being fun, card games can be educational.

One such fun, educational card game for children is CardWord. The CardWord deck consists of cards with letters on them instead of numbers. The object of the game is to spell words. It’s challenging and educational.

Another fun, thought-provoking card game for kids which you’ve probably played yourself is Concentration. This can be played with a conventional deck or you can purchase specially made decks which feature fun pictures, words, numbers, etc. The cards are laid out face-down and the object is to find the matching cards. This game, of course, develops concentration, and almost every kid loves it.

Some other old favorites are Old Maid or Go Fish. Probably the most loved of all card games for kids is War. Kids of all ages can learn the simple rules to this game which can keep them occupied for as long as any video game.

One of the more acclaimed card games for kids is Apples to Apples Jr. This game consists of cards that on one side have red or green apples on them, and on the other side they have a word with its definition. The object of the game is to match the word on one card that best fits with the word on another. For example, if the word “beach” is laid down, then the winning card will likely be “sun” or “ocean”. The winner is determined by a player acting as judge. This allows for a lot of leeway.

Uno is a game almost everybody has played. Uno is great because it can be tailored to suit children of all ages. If your child is very young and not able to comprehend complex rules, you can ignore the cards which involve skipping turns, drawing extra cards, and you can ignore the wild cards. With older children, you can utilize the entire deck and you’re likely to find yourself in quite the Uno battle with your progeny. Be assured that even if you’re playing your best, you’ll lose to your kids sometimes, and they’ll love it!

Card games provide a wealth of educational and entertainment possibilities for children. Even at their most formative stages, children can learn about words and numbers from card games. Card games will improve their concentration and enhance their logical reasoning abilities.

Five Home Improvement Tips To Help You Transform Your House Into A Stylish Home

When deciding to transform your house into a stylish home, you can use different approaches to the various parts of the house in order to minimize your renovation costs.

- The Interior Design Approach

1. One approach that you can employ is by focusing your renovation design towards your staircase. You can change the design of your staircase to make it appear more cozy and modern or use wooden materials with carving designs to have a more traditional and yet stylish look. Redesigning your staircase would also depend on which part of your house, it is located.

2. Once you have redesigned your staircase, the part of the house where it is located should also follow to match with it. If it’s in the living room, then the living room should be redesigned as well. In renovating your living room, you can repaint the walls to match the color of your staircase railings. If the railings are made of wood, then it would best to have a wall paint colored beige or other variants of earth colors. If you still prefer a light colored wall, you can repaint the base of the wall with a darker tone of brown.

3. Aside from transforming the staircase or the ceiling you may also redesign the flooring of your house. A quick and easy way of doing this is by replacing your old flooring with laminate floorings. You can choose from the variety of materials that are used for laminate flooring. For example, if your theme is the more traditional look, then you may use the laminate flooring which resembles wooden parquet flooring. If you are looking for a more environmentally sound floor, then one of the incredibly stylish and durable bamboo flooring options currently on the market may well be a better choice.

- Transforming by Changing the Furniture

4. If renovating the entire interior of the house is too costly for your budget, you may opt to buy new furniture to replace those old and tired looking pieces that are an eyesore. You can purchase new designs of living room sofas with matching sleek and modern center and side tables. 5. You can also purchase a made to order bar if your living room has more space to accommodate this. A living room bar adds excitement and style to any boring traditionally styled living rooms.

So there you have it, five simple yet extremely effective tips for transforming your house into a stylish home. Have fun!

Home Improvement Loans: Enable You To Make Home Improvements

We all wish to bring changes and make some innovations in our homes. But changing your home or experimenting may cost you little extra that might not be feasible for you. Are you dropping the idea just because of this reason? Insufficient funds will not pose any problem because you can entail home improvement loans and fulfill your needs easily.

Home improvement loans can be secured and unsecured. For secured home improvement loans you are required to pledge your property as collateral. As they are secured in nature these loans offer a huge loan amount within a range of 5000-75000 and that too at affordable rates of interest. The repayment term is generally long and varies with the loan amount. The flexible repayment term allows easy loan repayment.

Whereas, if you can not meet the collateral clause then unsecured home improvement loans are a great financial option to depend on. Through unsecured loans you can borrow a huge loan amount within a range of 1000-25000 for a short term of 1-10 years. They carry slightly higher interest rates as they are not secured against anything.

Home improvement loans taken to cover up the repairs or renovation cost of residential property. You can utilize funds for civil work like plumbing or doing up the kitchen or for painting the flat. You can remodel your house or can buy new furniture, bathroom extension or construct one more bedroom. You can easily deal with such expenses by taking up home improvement loans.

If you are having bad credit history, even then you can go for home improvement loans. Poor credit holders facing arrears, defaults, bankruptcy, missed payments and other such bad credit can easily procure these loans for carrying home improvements.

Home improvement loans can be very easily applied through banks and even online. The online application is very convenient as you can apply by completing a simple application form. You can even look around for lower rate deal easily by doing little market research.