Virtual Games - Playtech

I am 53 years old, have a combined $210,000 annual income, live on Long Island, NY, and work as a Project Coordinator

First, I'm sorry this is so long. Second - please be nice. We have debt, bad habits, and are Catholic. So if any of those things are going to get you spun up, just skip this one.
Section One: Assets and Debt Use this section to explain your current financial picture at large.
Everything here is joint – “M” and I have been married 22 years and we’ve had “smashed money” that whole time (and really for about a year before that).
Retirement Balance (and how you got there): Approximately $500,000 in a variety of IRAs and current 401(k)s.
Equity if you're a homeowner (and how much you put down and how you accumulated that payment). Bought our house in 2001 for $239,000 with 20% down (some aggressive saving and a gift from each of our parents). We refinanced, took some cash out for some home repairs, and reduced it to a 15-year loan in 2009 – our current equity would be about $195,000, but similar homes in the neighborhood are listed at $475,000-$525,000, so if we ever sell, we’re probably coming out ahead.
Savings account balance: $6,000
Checking account balance: $6,500
Credit card debt (and how you accumulated it): I hope you’re sitting down. Approximately $40,000. Yes, you read that right. How we accumulated it? The house is 90 years old and constantly falling apart, so we’ve had to charge things that needed to be done (some we wanted to have done, but some – like the time our oil burner stopped working in December – were needs). We had two dogs with numerous medical issues – I don’t want to calculate what they cost me, but they each had surgeries that were about $5,000 (each), plus other chronic and acute medical issues. And yes…for a while, we were doing and buying things we probably shouldn’t have (not bad things, just vacations, clothes, and non-essential home improvements) So…when I’m 100 and greeting people at Wal-Mart, I’ll at least have some good memories. That said, I can’t tell you the last time I used credit – if we can’t afford to pay cash, we don’t do it (and I say that fully realizing most people would feel that I shouldn’t do anything).
Student loan debt (for what degree): None – my husband went to the military and then to work after high school and I went back to community college later in life and paid as I went.
Anything else that's applicable to you: If my ex-husband dies before me, I’ll have about $6,000 in a money market that he must have forgotten about. When we divorced, he was supposed to liquidate all those accounts and give me half. He was an accountant and a SOB, so I never knew exactly what we had, but what I got seemed accurate (it paid for furniture, my wedding to M and part of this house, so I was OK with it). Lo and behold, a couple years ago, I found out we still have this money market account in both names. I tried to find him so we could liquidate/split it, but he’s missing. I get the statements here now, and the good part is he’s older than me, so I’m holding out hope he predeceases me and it will be mine.
Section Two: Income
Income Progression: I've been working in my field for a year and a half, my starting salary was $100,000. I did a salary story with the entire progression – long story short, I’ve made more, and I’ve made less, but this is probably about the average of the last five years.
My husband has been at his job for 14 years – he started there making around $75,000 and now makes $110,000. They usually give him a $10,000 bonus at the end of the year, but are always crying poverty if people ask for a raise. Prior to that, he worked for a company that paid very well and he had a 15-minute commute, but he got out one step ahead of their bankruptcy.
Main Job Monthly Take Home:
Me: $5,152
J: $6,230
Side Gig Monthly Take Home:
M is paid $1,300/month by our parish for serving as Youth Minister.
Any Other Monthly Income: $16.00
I get quarterly dividends on stock I was given when I was born (I may not have been born into money, but apparently my grandparents had friends who thought this was a good baby gift). The last few were around $50, so I divided by 3.
Section Three: Expenses
Rent / Mortgage / HOA fees (please specify how you split it if living with a partner): $3,043, which includes the property taxes and homeowner's insurance
Savings contribution: $500/month without fail (my bank transfers $100 if we get over $500 in, so once each paycheck and once when we put the church check in). More if I feel the savings needs a boost.
Debt payments:
Donations: OK – anyone who isn’t screaming because I owe $40K is going to start now.
Electric: $110
Gas (stove/hot water): $50
Oil: $250/month in the winter
Wifi/Cable: $179
Cellphone: $252 for both of us (I get mine expensed except $26 for my phone payment)
Car payment / insurance: $295/month for my car (leased). My husband is driving a 10-year old car that is paid off. $128/month for auto insurance
Lawn care: $50/month
Commuting: Now that we’re in COVID times, I’ve been buying a 10-trip off peak railroad ticket every five days for $78.75. Pre-COVID, M and I each bought a monthly ticket for $270, and I took the subway most days for an additional $100/month. I fill up the car about once a month (~$36) and M fills his about every other week (~$70/month)
Saturday, September 26, 2020
7:45 am: Up and at ‘em! I get up, get coffee, check emails and social media and start the day.
8:00 am: M leaves the house for a long list of errands, the payment for which will be shown below. I put in a load of laundry and discover…a leak! There is a large pipe between our powder room sink (which I used when I woke up) and the outside world that runs through the basement and is apparently leaking. Yay whee. If you get one thing from this diary, let it be these words of wisdom – don’t buy an old house! No beautiful feature is worth the aggravation! I get the water (I hope it’s water) cleaned up, a load of laundry in, take a shower, do some picking up around the house, get dressed in a Rangers t-shirt and cut off distressed jeans, do my makeup (Olay microsculpting serum and Miracle Blur over the bottom of my face, pink, gray, and violet eyeshadows, a swipe of foundation under my eyes, black eyeliner, black mascara, and dark brown eye pencil. This is standard everyday makeup for me and will be repeated each day. I put volumizing mousse in my hair and blow dry it (also routine).
In the meantime, M gets a haircut ($30 including tip), sets up the video equipment at church, goes to CVS for passport photos that he needs for an application ($18.87), and goes to the religious goods store for a book of the Liturgy of the Hours ($42.31). He is starting formation for the diaconate (the process of becoming a Deacon in the Catholic Church) today, and they said he’ll need that book. He also needs the photos for his application, and he stops at the bank for two money orders – one to send with the background check request and one for his high school transcript ($26). On the way home, he picks up breakfast (brunch?) for us – classic New York BEC, SPK (bacon, egg, and cheese on a roll with salt, pepper and ketchup) for him and egg whites, turkey and swiss cheese on a whole wheat wrap for me ($10.78), as well as cigs for him and vape cartridges for me ($36).
The washing machine isn’t causing any additional leakage, so I move the wash to the dryer and start moving the winter clothes from the portable closet in front of the leaking pipe upstairs (they’re not wet, but we’re going to have to move the closet when the plumber comes).
After eating the egg sandwiches, we get changed for deacon class – I look like a good church lady in black slacks, a black and white flowered shirt with a black tank underneath, and black sandals with a chunky 2.5” heel. M goes with the classic golf shirt and dockers. While we’re getting changed, he mentions he needs new underwear, so I whip out the phone and order him some ($18.64).
6:30 pm: Home from deacon class and Mass and the groceries show up! I ordered them yesterday, but I don’t think the charge went through till today, so here goes. Asparagus, broccoli, celery, bananas, cucumber, lime, grape tomatoes, peaches, carrots, potatoes, spinach, lettuce, zucchini, frozen burgers, ground turkey, chicken breasts, whole chicken, fried chicken and a pot pie for J’s lunches, yogurt, sugar free pumpkin spice creamer (YES! I’ve been looking for it for weeks!), milk, heavy cream, OJ, k-cups, frozen green beans, cauliflower rice, stuffing mix, microwave rice, cake mix (the good ones were on sale), chicken broth, potato chips, and trash bags. Spent $154.95 including delivery, saved $14.50 (very low for me), tipped the delivery guy $10.
7:00 pm: After putting away all that food, what do we do? If you guessed order dinner, you’d be right! I don’t cook on Saturday unless we’re having company. We order from a new taco place – three each and “Mexican wings”. The wings were meh, but the tacos ranged from good to outstanding. $53.78 including tip. After dinner, M starts post-production of the Mass video and I do some laundry, watch the NASCAR race and the hockey game, and play games on my iPad. Remember, you’ll be old someday too!
11:00 pm: I go to the basement to pick up laundry and remember I wanted to order a new garden flag (this isn’t as random as it sounds – all my seasonal decorations are stored in the basement). I have had a cart set up for days with two garden flags ($6.99 each) and four magnetic mailbox covers for my parents for Christmas ($11.99 each) – they’ve talked about having a different one for each season, and I saw them when I was looking for a garden flag. Total with tax and free shipping: $61.94. I love Christmas and generally spend way too much on gifts so I’m trying to start shopping before December and at least spread out the pain. We went to a crafts fair a few weeks ago and I picked up a few things and now I’ve got this done – go me!!
12:30 pm: The hockey game is over (2 OT!) and I go to bed. M is napping waiting for his video production to finish.
Daily Total: $463.27
Sunday, September 27
7:00 am: The alarm goes off – ugh. It’s the first day of Religious Ed (virtual, but I have to do a 9:45 zoom with my 4th graders). Coffee, social media, shower, dress, makeup. Put on a black eyelet dress because we’re going back to church today so M can videotape First Communion. Do the usual makeup/hair thing.
10:30 am: My 4th graders are great and we’re ready to roll (M has on a shirt and tie in honor of the First Communion), and we’re off to Mass. Drop off the food I bought for our food pantry last week and help him video. Of course, the kids are adorable!
12:00 noon: We’re starving after church, so we stop at our favorite local pizza place on the way home. Get a variety of slices for $22.62, including a tip (we’re getting it to go, but I’m tipping everywhere, because I know restaurants have been hurt badly by the pandemic. These folks are in NYC and still haven’t opened inside dining.)
1:30 pm: Ate, ran more laundry, changed into the jeans I wore yesterday and a Yankees t-shirt and call the nail place. Of all my expenses, nails are probably the most non-negotiable – I’ve been getting my nails done for 40 years, and when I couldn’t do so during the lockdown, I was miserable. They can take me right away, which makes me happy.
3:00 pm: All 20 nails done – gel on the fingers and a regular pedicure with callus removal ($75 plus $15 tip = $90). I went with an autumn theme and got copper on the fingers and bronze toes – the nail polish looked in the jar like it would match the toes, but it doesn’t. Stop at CVS for eye cream (Olay for tired eyes) and mascara (L’Oreal Voluminous) - $27 with coupons. M asked me to pick up cigs on the way home, so I do, as well as vape cartridges, which I don’t technically need yet, but it will save a trip later in the week ($36).
3:30 pm: While at the nail place, I saw that one of our favorite local restaurants had a fire, which consumed an entire block of restaurants and small businesses. The Chamber of Commerce is doing a GoFundMe, and I donate $25 to the cause - $28.75 including the charge. I also notice that the weekly charge for my church donation went through ($75).
11:30 pm: Took a quick nap (the highlight of my week every week), put some fall decorations out, had our family Zoom call, laundry, got the end of the winter clothes moved upstairs, had dinner (roast chicken, stuffing, mashed potatoes, and roasted asparagus), made an apple crisp (I’m not a huge dessert person but M is and I like making desserts, so it works), watched baseball, football, the NASCAR race, and basketball, and took a quick shower. Bring a Light & Fit Toasted Coconut Vanilla yogurt (the best!) to bed, finish my book (“Next Stop, Chancey”) and find the next in the series on my iPad – I’ve read them all before, but I’m in the mood for something cozy, especially after reading about the Current Occupant’s taxes – ugh!) , and turn off the lights around midnight.
Daily Total: $279.37
Monday, September 28
6:45 am: I work from home M/W/F and so I can sleep in. Relatively speaking, anyway. Get dressed in a sleeveless top and shorts (despite the fall decorations, fall nails, and roast chicken/apple crisp, it feels rather summery out there), do makeup, have some coffee and scroll through emails/socials, move yet another load of laundry (I’m trying to get it all done before the plumber comes), find the number for the plumber and give it to M to call, get the trash out, and boil some eggs for breakfast this week. I’m sitting in front of the computer by 8:15, which is ok (technically, my hours are 8:30-5:30 – it’s usually more like 8:30-6:00, and on WFH days, starting at 7:30 is not unheard of). M drops off the car at the shop – I think I forgot to mention this, but he mentioned yesterday that when he was driving around Saturday, there was a grinding noise when he backed up. More joy to come, I’m sure.
9:45 am: I hear M on the phone with the garage – apparently, they can get a used part and do the job for $450. Not great, but it’s better than it might have been! He works from home basically every day except when he has to see customers, but thankfully we’re separated enough that we can hear each other but it’s not intrusive.
10:30 am: Between cursing at people on the phone, M calls the plumber and I grab some cheese and more coffee! I’d tell you about my job, but honestly, it’s not worth talking about. Basically, I go to meetings, take notes on meetings, and send follow-ups (I do other things, but that’s most of it). When I get off my 11:00 am meeting, I’ll find out when the plumber is coming. You guys are getting a much more exciting week than I expected!
12:30 pm: What a miserable day – it seems like everyone is annoyed! Take a break to eat a slice of leftover pizza and a Diet Coke (M finishes some rotisserie chicken from last week). He says the plumber may come today to look at the situation but can’t do the work till tomorrow.
6:00 pm: Keep my head down and get some work done in the afternoon and knock off for the day. Run downstairs and make dinner – “tacos” with strips of beef grilled with Korean barbecue sauce, shredded cabbage, cheddar cheese, pineapple salsa, cucumber slices, and lime inside warmed tortillas. Delicious, if I say so myself!
7:30 pm: I get on a Zoom faith sharing meeting and M gets on a Zoom religious ed class.
11:59 pm: Contemplated Sunday’s Gospel with my small group, watched Tampa Bay win the Stanley Cup, took a shower and set clothes out for tomorrow, and off to bed. M picked up the car after Religious Ed.
Daily Total: $450.00
Tuesday, September 29
5:45 am: Ugh. Up and out – I’m wearing a green dress with a black jacket and have black slingbacks in my bag. I have to walk 30 short blocks and five long blocks once I get off the train, so I’m traveling light. I used to take the subway to my office, but since COVID, I try to limit that as much as possible.
7:45 am: Off the railroad and walk uptown. I actually don’t mind the walk, because when I WFH, I walk very little – at the beginning of the lockdown, I had a nice walking routine, but lately the work seems to start the minute I wake up, so walking to work takes care of getting in those STEPS! I forgot my boiled eggs and I’m starving, so I end up buying an egg sandwich. $5.43
12:30 pm: Because I only go to the city twice a week and I have to walk uptown with all my work stuff, I don’t bring lunch often (pre-pandemic, I used to bring breakfast and lunch every day, but I also took the subway). Decide to run to Pret and my boss and co-worker both ask me to pick something up. Of course, no one (including me) has anything but a $20, so they both say they’ll get me next time. I get my favorite chicken parm wrap and a Diet Coke. $32
12:45 pm: I look at my personal email and discover that J’s car registration needs to be renewed. Hop on the DMV website and take care of that. $158.50. I also realize I never took out the sausages for tonight’s dinner and call M to ask him to do so. He mentions the plumber has still not shown up.
5:45 pm: Leave a little early to get to the Fed Ex office and make my train home. I’m a little later than I’d like to be and it’s raining, so I get the subway, which is thankfully empty, reasonably clean, and quick. $2.75
7:15 pm: M picks me up at the train station and mentions that he was so busy working that he didn’t take the sausages out. He asks me what I want to eat and we end up at Wendy’s. Cheeseburger, fries, and (surprise, surprise) a Diet Coke. He gets the same thing, but bigger. $19.75
11:30 pm: Avoid the debate by watching the Yankees pound the Indians. Usual routine (plus ironing a shirt for J, because he has to go to a customer tomorrow) and off to sleep. I’m up to Book 3 in the Chancey series, for those keeping score.
Daily Total: $218.43
Wednesday, September 29
5:30 am: Double ugh. Woke up to use the bathroom and couldn’t get back to sleep, so here we are. Get dressed (long-sleeved Yankees t-shirt, straight leg jeans), do the face, have some coffee, and try to avoid the fact that my boss sent me an email at 11:00 pm last night looking for changes to a document, which I said I would do today. Get the trash out, pick up a little around the house, and get to work by 7:00. OH, and despite the lack of plumber and his lack of general motivation, M moved the plastic closet…in front of the washing machine! Glad I bought him underwear, because I won’t be doing laundry any time soon. Now I’m wondering if he looked at the menu (I am an obsessive meal planner and post it on the fridge weekly) and that’s why he didn’t take the sausages out – he’s avoiding zoodles! He can run but he can’t hide – I have zucchini and I’m going to spiralize it sooner or later!
8:00 am: The document my boss needed is out, the agenda for our 9:00 am meeting is done, the morning emails are sorted (for now), and I got a link to our parish survey up on the Facebook page, so I make an egg and cheese on a tortilla and eat at my desk.
12:50 pm: Wednesday is conference call hell – I have recurring calls every Wednesday at 9:00, 10:30, and 11:30, and the added fun today of a 10:00. There’s also a webinar every Wednesday that I try to tune into. Grab some chips and a Diet Coke and go check it out.
2:15 pm: Still no damn plumber, but I’ll let M worry about that when he’s home tomorrow. My garden flags arrived, so that’s good. Hoping to get out and put the pumpkin one out before it gets dark, but the way today is going, that might not actually happen. However, I realize I never put dinner in the crockpot. Luckily, it only takes 3-4 hours on high, so I take care of that. It’s Tuscan Chicken with sun-dried tomatoes and spinach. By 2:30, I’m back at my desk with another Diet Coke and hard at it. Nightmares of rescheduling meetings, missing documents, etc.
6:45 pm: Still at my desk! OK, I took some time to send an email to the parish webmaster about the survey, update this, and read the R29 money diary of the day. But overall, I’ve been working with no apparent end in sight – I could easily be here all night, but I won’t be because (a) I’m falling asleep at my desk and (b) I have a 7:30 Religious Ed teachers meeting. Hopefully I won’t fall asleep during that. Make a list of things for my boss and I to review tomorrow and finish prepping dinner.
7:15 pm: Dinner was delicious – we had the chicken with rice for M and cauliflower rice for me, sautéed broccoli, and a basic salad (bagged spring mix, cherry tomatoes, cucumber). Now off to Zoom!
11:45 pm: The Yankees game is still on, but I’m showered, my clothes are set out for tomorrow, and I’m fading. Turn off the light and hope for a win.
Daily Total: $0.00 (bet you didn’t see that coming!)
Thursday, October 1
5:45 am: You know it…ugh. Get up, coffee, very quick scroll through the Yankees score/e-mail/social media. Get dressed in a black v-neck sweater, black and gray plaid skirt, and black jacket (not the same one I wore the other day). Am grateful the skirt fits – I gained some weight and am trying to resist buying clothes. Make sure I have the right shoes in my bag – I’m wearing high-heeled gray suede Mary Janes today.
8:15 am: At my desk and ready to go – I remembered to bring 2 hard-boiled eggs today, which I eat with coffee while looking through emails.
12:30 pm: Call after call after call, but I have a half-hour to eat. Run to the fancy buffet place that just re-opened for 2 meatballs, brussels sprouts, broccoli, salad, and the inevitable Diet Coke ($15.75). Manage to eat before my 1:00 pm call – go me!
3:30 pm: Leave to go to a job site and pick something up that has to be shipped to Italy. Something that's almost as tall as me, but thankfully not heavy. Taxi down there because I’m in a hurry and I can get reimbursed ($14.04, including tip), expensed.
4:00 pm: I get a cab to the Fed Ex office – thankfully the first one I see is a minivan, so I fit in just fine ($12.74, including tip), expensed.
5:30 pm: Well, that was harder than it needed to be – the Fed Ex office I went to didn’t have a box that would fit the item, so they suggested another Fed Ex office about 6 blocks away, so I had to walk through midtown Manhattan carrying an object almost as tall as me (it's 5' long and I'm 5'3" tall) while dodging oblivious people. Thankfully, the other office had my box, and they were super-sweet and helpful, but it took them forever to get it done. Bought the box and bubble wrap, which will be expensed (I brought the Fed Ex label, but I don’t remember the account number) ($43.54). Get a nice early train home, though!
6:45 pm: Wow, we’re eating when I’m usually getting the train! Cheeseburgers, tots (tater for J, cauliflower for me), green beans, and vinegar coleslaw with the end of the shredded cabbage. Get the kitchen cleaned and the dishwasher run and settle in to watch the Jets – I’m not holding out much hope, but you never know!
11:30 pm: I’ve showered, set out clothes for me and M (he’s seeing customers tomorrow), I prepped for Youth Group, which I’m leading because he’ll be working, and the Jets are winning, so I decide it’s time to sleep. Up to Book 5 of the Chancey series. I find series usually go downhill after about the third or fourth book, but I’m not sure what I feel like reading, so here we are. OH, at some point M must have gone to the convenience store, because there are vape cartridges on the table ($36).
Daily Total: $122.07; $70.32 expensed
Friday, October 02, 2020
6:00 am: Wake up, grab coffee, find out the Jets lost after all, do the morning e-mail/social media scroll. Leaving early to deal with that work errand has left me with a ton of stuff to do, so I get dressed (long-sleeved v-neck gray t-shirt, white tank because the v-neck is halfway to my belly button, dark wash skinny jeans), put out the trash, peel two hard-boiled eggs, and head to my desk.
12:30 pm: As always, call after call after call. Plus a bit of aggravation when my boss asks me at 10:30 for an agenda for the 11:00 call, which I sent him at about 7:30, and which he returns at 10:59 with the formatting looking like nothing on earth. Yay whee! And a project was mentioned that he forgot to tell me I’d do. So in case I thought I’d have nothing to do (that never happens on Fridays), that’s not happening. Anyway, between calls, I run downstairs for the lunch of champions – a Hot Pocket and a Diet Coke. Just that kind of day.
6:15 pm: Realize I have to run Youth Group at 7 and I haven’t even done my haimakeup. Get that done, heat up some frozen cauliflower rice/broccoli/cheese combination and add some leftover chicken. With a green salad on the side, surprisingly yummy.
8:15 pm: I am not a good youth leader…couldn’t get anyone talking about the subject of the day, which I thought would be a good one. I did make them laugh a few times, so that’s something.
M is going to have some expenses because he went to see customers today, but I don’t know what they are and his company will reimburse him, so I’m just leaving them out.
Daily Total: $0.00
This is the Week That Was:
Food + Drink: $326.06
Fun / Entertainment: $108 (if people can put drugs in as entertainment, I’m putting our nicotine in)
Home + Health: $61.94
Clothes + Beauty: $165.64
Transport: $638.03 (some of it will be expensed)
Other: $234.47
Lastly, reflect on your diary! How do you feel about your spending? Was this a normal week for you? Has this inspired you to make changes or has it given you a “wow I’m doing pretty good” confidence boost? Is there anything you’re actively working on? No need to answer any or all these questions but just use this space to write any thoughts you have!
This was a fairly normal week except for the car breaking and needing to be registered – we're saving some now that we WFH more because M will not bring food from home, but I used to bring breakfast and lunch at least four days a week. I know we should make changes, but I also know we don’t want to – honestly, if you looked at the way I lived 15 years ago, I’ve made a lot of changes already. We’re working on the credit cards – I’ve gotten rid of several already (paid off, not just moved balances around) and we don’t use them at all anymore (I can honestly say I don’t remember the last thing I charged). The bad news is that M’s car is on its last legs, and so I see car payments in our future. Hopefully, he’ll get something used – we have my car when we want to look good going somewhere (mine isn’t super-fancy, it just wasn’t hit by a bus and full of stuff for his job).
OH, and the plumber still hasn’t shown up! But that will be for next week’s expenses.
submitted by allybear29 to MoneyDiariesACTIVE [link] [comments]


Confrontation: Coronavirus VS Gambling business
For many years, the authorities of almost all countries of the world have been fighting a nervous battle with the gambling business. Underground casinos are opening everywhere and the authorities are again throwing all their forces into the fight against betting.
But then it appears: Super Coronovirus! This whole situation is like a fairy tale about a Golden egg, which everyone tried to break, but only the mouse did it. In a few months, the Coronavirus infection managed to do what the Supreme rulers of humanity took decades to do – it "killed" the gambling business!
But is this really the case? Are there no more places in the world where you can drink a glass of whiskey and bet a couple of bucks on zero?
The editorial of has prepared an analytical material for you, about which branches of the gambling business were most affected by the Coronavirus.
Land-based casinos
The first and most powerful impact of the Coronavirus was on land-based stationary casinos.
In the face of an epidemiological threat, people tried to leave their homes and stay in public places as little as possible.
The famous Las Vegas, which worked smoothly during the first and Second world war, turned into a Ghost town in a matter of months. Its casinos closed for the first time since 1963, the year President Kennedy was assassinated. According to the latest statistics, the total losses of Las Vegas casinos amounted to more than 5.5 billion dollars.
Czech Republic
Although the Czech Republic had the fewest cases of Coronavirus infection, King's Casino, which is a venue for major international poker events, had to cancel all tournaments and close for a period of quarantine. According to official data, the casino's losses amounted to about 5.5 million dollars.
The famous Concord Card Casino, which was supposed to be 25 years old this year, was closed due to the inability to pay taxes to the state. The main specialty of this casino was poker, but in early March, the institution declared bankruptcy. The main reason is the lack of clients due to the Coronavirus epidemic.
Owners of land-based casinos are recommended to start developing the online component of their gambling houses as soon as possible so that the Coronovirus does not completely sink their business.
Online casino against Coronavirus
But the online casino, on the contrary, is experiencing its best times. In a situation when almost the entire world was in prison, many of the boredom began to "spend" honestly earned coins in the casino. In this regard, our editorial staff has prepared for you the TOP 3 online casinos that not only earned money during the epidemic, but also managed to bring their brand to the world level.
Rox Casino
A casino that everyone already knew about, but they learned even better during the Coronavirus period. According to unofficial data (after all, who will tell us the truth) on the excitement of their customers, Rox managed to earn about 4 million dollars. And this is almost 13% more than the casino's income before the Coronavirus epidemic.
All British Casino
The most famous British online casino, with which, according to rumors, Prince Harry liked to spend his free time during the pandemic, managed to increase its revenue by up to 24%. And this is despite the fact that gambling is illegal and the UK government has introduced strict regulatory measures regarding online gambling and betting. The high attendance of this platform has brought All British Casino to a new level and attracted customers from all over the world.
And while real Las Vegas endures its worst times, virtual Vegas is on top of the glory. In the face of fierce competition and in order to attract the maximum number of new customers and keep the old ones, a welcome bonus of 5000$ was introduced. Either a gift from the company, or boredom, but the number of players for the period from January to may increased by 40%. And where new players - there is profit!
Sports reference: offline or online?
The sphere of sports betting has suffered the most. The fact is that the absence of Grand sporting events such as the world Cup, the UEFA Champions League, the League of Europe, the Wimbledon tennis tournament and many other competitions were either canceled or postponed indefinitely.
According to the analytical company Standard & Poor's, the betting market fell by almost 37%. This has never happened before!
For example, in the UK, the demand among both beginners and professional bettors for betting shops that specialize in sports has decreased by 41%, and this is despite the fact that the demand for online casinos is growing on the contrary.
In addition, during the quarantine period, offices are prohibited from using topics such as Coronavirus and self-isolation for advertising purposes.
"And if there is no sport, then there is no point in betting" - you might think. But it wasn't there! Global companies such as 1xBet began offering their clients an alternative-Belarusian football. As you know, there is no Coronavirus in the Republic of Belarus – so the President of the country said. This means that there are no reasons for changes in the gambling services market. In this regard, many ratting corporations offer their clients to bet on the Top League and the football championship in Belarus. This is certainly not the European Cup, but in the context of a pandemic, you do not have to choose very much.
The second birth of e-Sports
E-Sport has become an excellent alternative to standard sports betting.
According to the latest analytical data, e-Sports betting activity looks something like this:
● 73% - FIFA cyber football
● 21% - Counter-Strike
● 5% - Dota2;
● 1% - Other games;
And as for the world e-Sports Championships, no one canceled them. This means that e-Sport is one of the few industries where avid players carry their money in the hope of getting an adrenaline rush and earning a couple of hundred dollars. For example, the FIFA cyber football world Cup and the NBA 2K20 cyberbasketball tournament are waiting for us. Thus, e-sports, whose popularity has grown rapidly in recent years, as well as betting on e-sports have received an additional impetus to even greater development.
Alternative betting
However, bookmakers are well aware that you can not deprive their customers of the pleasure of gambling and offer alternative ways of betting.
So, for example, you can bet not only on
local social events in your country, such as when the football season resumes, or the League of Europe. However, the most popular bet was on Coronovirus. Betters around the world are betting on when the pandemic will end, whether the borders of States will open, and whether there will be a second wave of the epidemic.
Thus, it is safe to say that no sphere of life, no economic or social sector could resist the Coronovirus. But as far as gambling business is concerned, everything is ambiguous. Actually, everything is like in betting: someone wins, such as online casinos, and someone suffers losses, such as sport ratting. But we believe that sport betting will return as the Phoenix bird as soon as all sporting events resume.
submitted by hawertin to u/hawertin [link] [comments]

$ACED, a VERY detailed review.

Conducted by ANON A review on what to expect from this up and coming project
Can be found on coingecko.
Within this post/document it will cover what $ACED & AceD as a whole is, what to expect, and questions you guys have asked alongside information on the current online gambling statistics for the world, especially sports betting.
> The reason I have gone to this effort is because I have never seen such a low MC project have so much potential, this is unironically a gem. I truly hope you all see the value in this. LONG READ.
What is $ACED and
> 500k MC at this current time of posting
> Ethereum-based Token Tokenomics, Symbol: $ACED, Decimals: 18, Type: ERC-20 Token, Total Supply: 200 Million AceD, Circulating supply: 190 Million AceD
> This IS A FULLY WORKING RPODUCT. They advertise: Multi Crypto, Sports & Esports, Fair Odds, and Full Anonymity for all betters.
> AceD bases its fundamentals in providing an alternative to existing centralized systems through the blockchain. Other than most cryptocurrencies that just provide anonymity, AceD plans on developing a privacy-orientated platform where the possibilities are endless. AceD’s mission is to provide online world class entertainment options while providing a secure and private platform.
> Multi Crypto Sportsbook, AceDBets, is a newly launched sportsbook that aims to provide a superior user experience. Custom-designed from the ground up, AceDBets combines a smooth, streamlined interface with social features that enable interactions with fellow cappers.
> “Our goal is to develop an appealing product that betters can enjoy, fair betting experience with 0 downtime. Place a bet from anywhere in the world, totally anon compatible on any device. Demand will increase with improvements. Poker will also be a major driver.”
What the original AceD and the recent move to being a ERC-20 Token? why it happened:
> “AceD started out in June 2018 as a POS/Masternode coin. We decided to swap to ethereum chain in June 2020. Some bad characters were exploiting the chain stealing masternode rewards and selling them on exchange. Updates were too costly with centralized exchanges so the move to ethereum chain was the direction we agreed on. So basically, the main reason why we moved to Ethereum chain is to focus on product development and not worry about blockchain issues. We have Vitalik looking after our chain, no need to develop a blockchain ourselves.”
Did any tokens get lost?
> I asked about this and they said the 200million listed on etherscan is the full amount. Investors initially assumed that tokens were lost originally with the swap, but that is not the case.
The major thing a lot of you guys wanted to know about were the Team, Whitepapers and Roadmaps:
> “Expect team info to be available within the new couple days. Whitepaper draft has already started alongside roadmap, expect publishment within 2 weeks or so.”
> “We also plan to hire more staffing to fill the downtime as our userbase is increasing rapidly need to adapt with demand Over 1200 users signed up total. The total amount of team members we have is 10 (6 developers).”
I asked about bingo not working after being advertised as working, got a nice response, good to see priorities being taken care of:
> “Bingo has been taken offline temporarily; we’ll revisit the product as it requires some attention. betting is our primary focus right now.”
Considering live sports betting is the only thing running at the moment, what is the current daily, weekly, total wagered through you guys, how do the tokens get redistributed?
> “We shared a chart showing steady growth in bets over the past 3 months. Betting volume is out the roof this month, NBA resumes next week expecting even bigger volumes to roll in with major sports resuming. July numbers will be shared in 3-4 days. Currently there is no dividends model for users, the bankroll profits help fund development and future marketing goals.”
I find that last part interesting, could potentially be implemented as a system to reward staking if it were introduced. Hmm.

ACED and their future. What they plan on doing with and their product as a whole.
What is there to look forward to in the next upcoming update, Any set time release? (This is in relation to the website and the extra features they plan to add to their sports betting. I have seen a lot of people comment on it.)
> “No firm date for the update, however we’re in the final stages of testing. It is a massive update for our platform need to ensure everything is down right and functional before we make the transition. Always room for improvement, the new update has many changes which will improve the user experience. We will continue to make changes, always listening to feedback and suggestions from our community.”
> “Support desk is being introduced along with update, where users will have access to knowledge tools, how to use acedbets, understanding betting odds, rules for events and quick support with ticketing system.”
> “in the near future we plan to introduce betting and bankroll management tracking tools. to help a better understand their track record.”
> “Updates will be provided in stages, we find that a more effective approach instead of blasting one big update every few months.”
This update is essential for the QOL of this product, the team seems to be absolutely working their arses off.
Ok, onto the future updates then:
> Focus is on right now. There are not many bugs left, one major one with All IN freeze up issue and then a bunch of minor visual bugs that need to be ironed out. This will be revealed in our roadmap, we hope to have the product live in Q42020. It’s 80% complete with a few user facing bugs that will be addressed when we resume development in August.”
> “After poker, we will be adding more games to the platform such as Keno, Bingo, Roulette, Blackjack. Considering adding live dealers as well.”
> “Staking on platform will be introduced eventually not sure of the timeline for this. We would have a community vote on how to fund the staking model, a certain amount of coins could be minted for example to support long tem staking.”
I personally find this part to be interesting, if they manage to pull off a staking + betting crypto site, where potentially dividends could be paid off to stakers, etc. it would be crazy, never seen anything like this.
> “Waiting for IDEX to reply, we have followed up and our listing request is now with their manager for review. We are actively seeking new exchanges and will find a better alternative to graviex very soon. IDEX application submitted, being reviewed by their listing manager.”
> “We will be ramping up marketing after our update. Social media, influencers, AMA’s podcasts, some fun contests, publishing articles on major crypto sites, telegram and discord server promotions, partnerships.”
> We will be appointing 2 team members to handle our social media profiles. This includes our medium account. All information will be available on and medium.
I am unsure of anymore future updates as they have said they do not want to make too many promises. I believe with the roadmap release we will be able to get a grand idea of the project. PLEASE DO NOT BE AFRAID TO JOIN THE DISCORD AND SUGGEST IDEAS, THEY LOVE ALL INPUT AND TAKE IT SERIOUSLY.

Why bother investing in this?
> How about you guys have a look at the online gambling market predictions for the next 10 years…
> “The global online gambling market size was valued at USD 53.7 billion in 2019 and is expected to grow at a compound annual growth rate (CAGR) of 11.5% from 2020 to 2027. The high internet penetration and increasing use of mobile phones among individuals for playing online games from their homes and public places are driving the market.
In addition, factors such as easy access to online gambling, legalization and cultural approval, corporate sponsorships, and celebrity endorsements are also contributing to market growth. The growing availability of cost-effective mobile applications across the globe is further expected to fuel market growth.”
IT THEN GOES ON TO SAY THIS: > “ The growing number of sports followers across the globe has fuelled the demand for sports betting. The majority of bets are placed on boxing, baseball, football, and hockey sports, which is, in turn, driving the market.
Increasing the development of new technologies such as virtual reality and blockchain is also driving the growth of the industry. This may be attributed to the fact that several companies are now integrating the blockchain technology into their online gambling business. This helps them ensure transparency in gambling activities and offer enhanced user experience. In addition, blockchain-based gambling platforms are completely decentralized and are free of third-party influence.”
They LITERALLY KNOW AND INCLUDE BLOCKCHAIN in their report. THEY KNOW IT WILL BE A BIG INFLUENCE IN YEARS TO COME. Even with COVID-19, AceD covers every sport you could think of that would be running right now, it even has E-Sports. This market prediction, alongside the ACED betting website WITH FULL ANONYMITY… This is going to blow. Once more betting options are released too, especially live poker. Man, you guys better be ready, do not complain about not getting in. I have laid this all out for you, now the choice is yours.
The closest thing that even compares to $ACED is 25mc, and then the next is 40mc. Neither have Anonymous gambling. Once $ACED gains more features, they will be far ahead of these other platforms.

What are you current biggest draw backs? what is stopping you guys from really excelling and achieving these visions faster?
> “Funding, our goal is to build a self-sustainable model with and we are well on our way to achieving this. We would also like to introduce more entertainment options such as live streaming with tip functionality. With our growing userbase I think we can attract a lot of streamers to use our platform to share their content. In order to achieve these, we can have community votes on coins being minted and offered as OTC crowd sale.”
Legal troubles, could this happen with the anonymous betting? Once you guys do pop off and blow up, will this bite you? I don’t personally see a reason for it to but please explain if there would be.
> “Currently, we don’t offer betting in fiat currencies, our platform is strictly crypto therefore a gaming license is not required to operate in this space. However, if need be we are prepared to comply with any changes and a gaming license would be obtained if required.”
If the site does get hacked or anything happens, how safe are everyone’s funds? Sorry if this is rather random it’s just good to know.
> “All funds deposited into are moved over to cold storage. We only keep a small threshold to payout daily withdrawals which is replenished on a daily basis.”
Wtf went on with DGN? saw a lot of fud > “I was in touch with Bubba-Degen (founder of DGN) , announcement was made on their discord. The FUD started due to couple members requesting a refund and were unhappy with the announcement of launch date being extended to upcoming Friday. The 2 guys went ahead and started spamming telegram groups with false information and accusing DGN as scammers. The DGN token will be listed on this weekend and the project will be live be going live on Uniswap on Friday. “
submitted by nansAshes69 to CryptoMoonShots [link] [comments]

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submitted by freespinsmobile to u/freespinsmobile [link] [comments]

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I am gambling addict.

My story:
It started totally innocent as a fun activity with my friends in primary school when I have bet on my first match. Who would have thought it will become a part of mighty stroy. During my highschool I bet occasionally, but never seriously. I was always a big fan of sports and I have had skills in statistics, I would know all the players and I also loved PC game Football Manager. When I started studying at university of Ljubljana, I had a lot of free time that I was using for online sports bets, mostly on football. Somehow I switched PC game FM for gambling in good faith that I can earn some money. I was always a hardworking student, I earned quite a lot of money working as a student, so I was able to spend it gambling and still had it enough to live a normal life. Troubles appeared when I put all my time in gamblin and making plans for good strategies so that I would overcome a system. The more I spent, more guilty, ashamed and angry I felt. I was asking myself why did I even start. I left behind my studying, I was avoiding my friends and I was self isolating. I stopped talking to anyone and started to hide everything. On the outside I looked positive, always with a smile on my face, but I have been avoiding converstaions on serious toppics. My girlfriend and my family didn´t know a thing, I hid everything. I was cleverly manipulating them, so they wouldn´t get suspicious. The bigger the troubles, the more I lied. I was hiding from the truth and I put myself in many uncomfortable situations, each of them getting me closer and deeper into an addiction. I often got emotional blackouts, everything seemed hopeless to me, I felt terrible. For long hours at nights I was thinkig about meaning of life and I felt sorry for myself. I blamed it all on the system. My embarrassement and feelings of powerlessness brought me to the darkest ideas, that life without me maybe would be better for everyone because I am ussles and not worthy. From the worst scenarios saved me the thought, that if I run in this life and end it, I will have to face this in another life and then it would be even harder. I did not finish study, I quited just before my diploma and this was also a big disappointment for me. I was alwasy in between feeling quite good and having extremly hard periods. A lot of the time I spent all the money I had. The more I had the more I would have spent it. My brain did not work properly, I had no control over myself, I just wanted to gambel back everything that I have lost. When I lost all my money I was feeling upset, I was cursing everything and everyone. I cried and I swore to myself that this is the last time and that I had to stop this and get sober. I was shivering down my whole body and was asking myself, why me, why can not I do the right thing. What am I doing wrong? It was cristal clear to me that this is not right and all this is not going in the right direction. But the extreme hunger of winning and desire was too strong. I tryed to quit by many methods. I have had a few good periods of teetotalism. Sometimes it lasted for few weeks, sometimes a month or two but everytime I realized how much money I have lost, it always pulled me back. It is ironic that the longer the period of teetotalism was, the stronger was desire to get back betting, back to feelings of adrenaline and exiting activities. The bigger amount of money, the more intensive were feelings of guilt, anger, desperation, anxiety and deppresion. I did not know how to fight these emotions. The only way out that I saw was to borrow more money, get more loans and bet higher amounts of money, because I had bigger debts. A lot of times it seemd really good, I have transfered several thousunds of euros to my account in one night (I prefered online gambling as all you need is a credit card, internet and money and you can play any time and place you want), but at the end of a week or for at least at the end of every month I needed new plan, because I lost all my money again. I was struggling from every months salary. This is a vicious circle that it is very difficult to escape. I lied to myself so passionately that I believed myself everything. I lied to all the people that mean something to me and that I love. I suffered because I was cheating and manipulating those who I trusted to and even more sadly, to those who trusted me. Addiction totally changed me. I lost connection with the real world. I have a good job, that I did keep somehow. Probbably because of friendlyness of my bosses and because of my good histroy in company. In my opinion, I am a very good and hardworking employee, and at the end that saved my job. I am very,very grateful for this. I had very turbolent times, my motivation was very low, my emotions were numbed, I became sloppy and selfish. I was very negative. The more stressful the situation, the easyer was for me to run away in virtual world. The world of online gambling was my shield from the real world and my responsibilities. After five years I fell for the first time. I was feeling deperate and without a solution. I had to tell about my problems to my girlfriend and my family. I have found a help at psychotherapist and anonnymous gamblers. Slowly I started seeing some progress; I was talking about my problems and learning how to deal with them. My relationship started to grow, I felt more confident, I accepted new mindset and saw things clearlier now. I was making a huge progress with talks, but I was not aware of it yet. I had to rethink my beliefs and reevaluate my world. But deep inside, in my heart, I did not trust myself, I was not ready to get rid of addiction forever. I was not aware of how serious the situation is. I was still wearing a mask, I have admited a lot of things to me, but not all of them. After 10 months I was healed (at least I thought so). Slowly I stopped visiting my psychotherapist and club of annonymus gamlers. A thougt slowly creeped back in my mind, telling me that I am stronger now, I can try it, just for fun, just a few euros, I can afford this. And then it just happend, I ended teetotalism. After few weeks I was back in my gambling shape and after few months I had to take new credit and then again, and again, more money, bigger stakes and new loans. When I have reached the point, that I have spent all possibilities of crediting, of new limits, when I satrted to borrow money from people from whom I would never thought of even in my dreams and when I had debts worth of wounderful flat or a house, then I realised that after 8 years of living like this, it has to come to an end. I was aware that my gamling addiction has beaten and conquered me. I had no power over it. I knew that if I continue like that, it will destroy me. I was at the bottom of the Ocean. I still did not make a choice to quit, because I did not have a power to do it. My position forced me to do the rigth thing. Huge debts, more and more lies and manipulations were starting to kill me. I spent unbelievable amounts of energie and time on hiding everything and running away. I felt that if my family realises that I have fallen back into gambling, my world will collaps and I thought that that would destroy me. So I learned to live with big preassures, my pathological lying and deceptions, my aimlessly wandering, suffering because of frustrations, living pointless life and my illusions of how do I look and where do I belong as a member of this society will collaps. And luckily, they did.
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submitted by gamblingdarkness to GamblingAddiction [link] [comments]

Everything NOT in Ultimate

As we all know, Smash Bros. Ultimate is being billed as the biggest Smash yet. While that may be true, it’s missing a surprising amount of content compared to previous installments. Here’s everything that is NOT in Ultimate, because I’m a pessimist and I have way too much free time on my hands.


Nobody. Everyone is here!


Smash 64
Wii U/3DS


Barrel Cannon, Cloaking Device, Cracker Launcher, Fan (the biggest loss hands-down), Flipper, Parasol, Red Shell, Spring, Team Healer


Barbara the Bat, Dark Samus,* Elec Man, Excitebikes, Helirin, Infantry and Tanks, Isabelle,* Jill, Kat & Ana, Lakitu and Spinies, Little Mac,* Magnus, Mr. Resetti, Ray MK. III, Saki Amamiya, Tingle
*Dark Samus, Isabelle and Little Mac have all become fighters following their roles as Assists; Little Mac in Smash 4, and Isabelle and Dark Samus in Ultimate.


Articuno, Beedrill, Blastoise*, Bonsly, Celebi, Chansey, Charizard,* Chikorita, Clefairy, Cyndaquil, Groudon, Gulpin, Hitmonlee, Ho-Oh,* Jirachi, Koffing, Manaphy,* Marill, Munchlax, Onix, Piplup*, Porygon2, Raikou, Staryu, Torchic, Unown, Venusaur, Weavile, Weezing, Wobbuffet and Zapdos.
*Charizard has become a fighter following its role as a Poké Ball Pokémon. Ho-Oh and Manaphy appear as stage hazards in Kalos Pokémon League, and Piplup and Blastoise appear in the background.



Other Missing Costumes
Headgear: Teddy Bear Hat, Beehive Wig, Cat Ears, Chef Hat, Chicken Hat, Chocobo Hat (Final Fantasy), Cowboy Hat, Cow Skull Hat, Dog Ears, Fancy Pirate Hat, Football Helmet, Frog Hat, Hibiscus, Lion Hat, Mage Robe, Master Gardener’s Crown, Mii Force Helmet, Mini Top Hat, Panda Hat, Red Ribbon, Red Shell Hat, Santa Hat, Spartan Helmet, Straw Hat, Swimming Cap, Wedding Veil
Outfits: Fancy Suit, Hoodie, Neon Suit, Plate Armor
Interestingly, every single third-party Mii costume has been cut in Ultimate for unknown reasons. Sorry, Geno fans. sniff


*There is a track in Ultimate called Jungle Level (Brawl), but it is actually the 2nd version of the song. The 1st version has been cut. Thanks Uielicious and NoshBosh






And worst of all...
Some thoughts of mine: I'm beyond grateful to Sakurai and his team for giving us this amazing game, but I'm quite bummed about all the cut content. Specifically, the absence of Home-run Contest and a proper All-Star mode just feels wrong to me. Due to the lack of trophies, there wouldn't really be an incentive to clear All-Star mode at all anyways, but there isn't really a good incentive to clear Classic Mode in Ultimate either due to the fact that you can buy all of the glorified PNGs Fighter Spirits in the shop anyways. Perhaps a way to clear a potential future All-Star mode with a "team" of characters would work to significantly reduce the time it takes to clear it with everyone? Home-run Contest holds a special place in my heart too, so seeing it absent stings quite a bit. It just boggles my mind that Multi-man Smash, a mode that has been disliked since it was introduced, got in over HRC. The concept of Spirits is really cool too, but to me they'll never quite replace the fun of collecting trophies. Yes, cutting trophies was a necessary evil, but it still doesn't feel like a true Smash game without them.
The gameplay is as fun as ever though, and at the end of the day, that's what really matters.
EDIT: Formatting
EDIT: If I forgot anything, let me know!
EDIT: Added some stuff.
EDIT: Holy shit, my first platinum! Thank you, stranger!
EDIT: Added some music I missed.
submitted by TheTommohawkTom to smashbros [link] [comments]

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