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The anthem of Canada sounded in Rio All-Suite Hotel and Casino in Las Vegas again and again as the six weeks poker season ended with a triumph of Canadian players, who managed to win 10 bracelets. In addition, Daniel Negreanu, a resident of Toronto, was so good in Australian and US competitions that earned the WSOP 2013 ‘Player of the year’ title.
When in late June Kristen Bicknell from Ontario won the women’s tournament, it a new achievement has been recorded: the bracelets have been awarded to ten players from Canada, which is a huge progress after three bracelets received in 2012. The previous record of the country was six bracelets won in 2010.
As usual, the majority of players represented at the WSOP were the U.S residents: 57,040 out of a total number of 79,471. Thus, 71.8 % of American players was more then enough to secure the leadership, as Canadian representation equaled as little as 5.2% (4,118 poker players). No surprise that the U.S. won a better part of WSOP bracelet in 2013 (41), almost two-thirds of the total number of awards and is slightly less than its percentage of participation. At the same time, ten Canadian bracelets represent 16.1% of awards, which is three times higher than the percentage of participation of the country.
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Daniel Negreanu Bonus Casino Rockstar According To GPI Rank
In his address on Twitter, the Canadian resident, Daniel Negreanu, ranked the best poker player of the decade, wished his fans all the best and gave a little advice: ‘I hope that you will fulfill your dreams. Dream – declare – execute. The formula really works!’
In the life of 39 -year-old Canadian pro this formula really works as clockwork, especially recollecting about his goals for 2013. Negreanu planned to enter the tournaments and win at least CA$1.5 million, grab his fifth WSOP bracelet in career and a find himself in the Top 10 race Player of the year Bluff.
It’s unbelievable, but Negreanu not only achieved his goals, but also exceed them dramatically (and yes, he managed to be ranked the player of the year by Bluff Magazine).
The famous player won his bracelet in April, when he triumphed at the WSOP Asia-Pacific (APAC) Main Event and earned CA$ 1,087,160. In October, he was able also to duplicate the result, winning the competition of a high roller at the WSOP Europe, and get over CA$979,955. Along with other payments, during the year Negreanu one of the best players of Canadaso far collected winnings of CA$3,208,630 and the amount of his winnings throughout the career increased to CA$19,549,209.
Mobile Casino
Enhanced capabilities of information technology and personal gadgets fueled a breakthrough in the development of e-commerce sector. The brand-new opportunities contributed to drastic changes in all spheres of business, and gambling is no exception. Naturally the expansion of changes into the online segment adjusted the balance of power in the global gaming sector and deepened the conflict between ‘conservatives’ and ‘reformers’.
According to Firebear Studio, a prominent IT company, global e-commerce market in 2014 was estimated at a trillion dollars, while its growth rate equaled 19.4% according to the research.
Another investigation carried out by Goldman Sachs Group Inc. indicates that due to the increasing popularity of smartphones and tablets the concept of mobile commerce (m-commerce) acquires its relevance. According Firebear Studio, last year the number of transactions from mobile devices grew up to 18% of all purchases on the web. The percentage of operating on mobile devices has increased from 38% in 2012 to 53% in 2014.
This direction couldn’t have left online gambling untouched, which is evidenced by comprehensive researches of the authoritative H2 Gambling Capital and iGaming Business. Online market is not consolidated and it is being developed still. Until now, there is even no single terminological apparatus: the same phenomenon called different companies in different ways. The concept of ‘online gambling’ causes misunderstandings. H2 Gambling Capital and iGaming Business, for example, referred to as the entire online gaming market segment, First Gaming distinguishes it from mobile segment. Others, such as The European Lotteries Association and Scientific Games, do not refer online lotteries to this notion. Nevertheless, the industry is rocketing.
H2 Gambling Capital and iGaming Business projected the total revenue from online gambling winnings (including betting) in 2014 amounted to C$30,6 Bln. According to the study, the total income of the global online gaming industry will grow from C$6,6 billion 2003 to C$ 32,5 billion in 2015-m and C$42,8 billion 2018. By that time, in terms of profitability Europe will continue to lead, although the gap with other continents will be reduced, especially with Asia. A doubling of revenues from online gambling in the United States is expected.
Betting will retain its leading position on the Internet, but will gradually show a slowdown. In this case, the yield is expected to increase the online casino, which by 2018 will also double their performance. Such growth will be observed in all sectors, except for online bingo.
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Do You Need Life Insurance? How Much Is Enough?
Murder mysteries might suggest life insurance policies are mostly taken out with nefarious intent, but an insurance agent will be quick to tell you that buying life insurance is an act of love.
There are different types of life insurance, which pays named beneficiaries money if the insured person dies. The two most common are term life and whole life. Term life policies last 10 to 30 years, have a set monthly premium that can't increase, and must be rebought or in some cases converted to a whole life policy at the end of the term; whole or permanent life insurance policies are good for as long as the premiums are paid.
Do you need life insurance? Life insurance is not for everyone. Someone who doesn't have financial dependents generally doesn't need a policy. Those with a large financial reserve that can take care of expenses and dependents in the event of their death may also see little value in having a policy. Older people, including those with children who are already financially stable, may consider passing on life insurance as well. But a policy could be worthwhile in case someone develops a debilitating or chronic illness, as treatment can drain savings quickly.
People with a significant other or family members who rely on them will likely want insurance. The focus is sometimes on the breadwinner in the family, but the loss of a stay-at-home partner can leave a family with a significant financial burden, too. Single parents or grandparents who take care of a child should also consider a policy. Even couples without children may want a policy if their lifestyle is dependent on both incomes.
In the end, a life insurance policy is not so much for the insured person (although it can provide peace of mind) as it is for those who depend financially on the insured.
How do you calculate coverage needs? A policy can be relatively cheap; even $500,000 policies can cost less than auto insurance in some cases. There are several expected costs to consider.
Make things simple by letting an online calculator do the work. Try ones fromSmartAsset, Bankrate and Prudential.
How do you save on premiums? It's important to shop around before buying a policy. Be wary, though, of sharing information with a website that asks only for a name and contact information. Often this input is sold to many agents or brokers, which can result in a flooded inbox and unwanted phone solicitations.
Using brokers who work with multiple companies can be a good idea; they can use one set of information to get competing quotes from multiple insurers (and policies bought through a broker often cost the same as identical policies bought directly). Jeremy Hallett, chief executive and co-founder of online life insurance broker Quotacy.com, points out that not only do companies calculate life expectancy differently, but they may also consider specific events or lifestyles differently.
For example, smokers can pay premiums that are up to 200 percent higher than non-smokers, Some insurance companies lump cigar, e-cigarette and chewing tobacco users into the same category as regular cigarette smokers, but some don't. A drunken-driving record can also increase premium rates, but some insurers may not raise rates for a first incident.
Life insurance often requires a medical exam (non-exam options exist, but the rates may be higher or limits lower) and rates are lowest for the healthiest people. Eating well and exercising regularly can go a long way, but making a last-minute effort does not usually cut it. Hallett says many insurers count only half the weight lost over the past year, assuming the other half is likely to return.
Sometimes there are other discounts available, such as a multi-line discount for policyholders with other insurance products from the company. The discount does not guarantee a lower total price than buying life insurance from a different company, though.
Do not set it and forget it. Ideally, a life insurance policy will last for years without ever being used -- but the policy should be checked every year or two. Make sure coverage is sufficient, and change things as need be by canceling and rebuying a new policy or adding a supplementary policy on top of the existing one.
Changes in health can also prompt a new look at the policy. Increased health might mean a new policy will be cheaper. After developing a chronic condition, converting a term policy to a whole life policy may be a good idea, if it is an option.
There are different types of life insurance, which pays named beneficiaries money if the insured person dies. The two most common are term life and whole life. Term life policies last 10 to 30 years, have a set monthly premium that can't increase, and must be rebought or in some cases converted to a whole life policy at the end of the term; whole or permanent life insurance policies are good for as long as the premiums are paid.
Do you need life insurance? Life insurance is not for everyone. Someone who doesn't have financial dependents generally doesn't need a policy. Those with a large financial reserve that can take care of expenses and dependents in the event of their death may also see little value in having a policy. Older people, including those with children who are already financially stable, may consider passing on life insurance as well. But a policy could be worthwhile in case someone develops a debilitating or chronic illness, as treatment can drain savings quickly.
People with a significant other or family members who rely on them will likely want insurance. The focus is sometimes on the breadwinner in the family, but the loss of a stay-at-home partner can leave a family with a significant financial burden, too. Single parents or grandparents who take care of a child should also consider a policy. Even couples without children may want a policy if their lifestyle is dependent on both incomes.
In the end, a life insurance policy is not so much for the insured person (although it can provide peace of mind) as it is for those who depend financially on the insured.
How do you calculate coverage needs? A policy can be relatively cheap; even $500,000 policies can cost less than auto insurance in some cases. There are several expected costs to consider.
- Current Debts. The policy should cover the insured person's current debts, such as a mortgage, car loan, student loans or credit card balances.
- Future Contributions. Consider a married couple with two children. They want a policy that will cover them for the next 30 years while their children grow up. One parent stays at home and the other works full time. The policy should cover the future earnings of the partner who works outside the home (salary plus potential raises, multiplied by 30 years). A second policy should cover the stay-at-home parent and cost to replace that person's contribution (the cost of child care, tutoring services, a housekeeper and so on).
- Large Future Expenses. As parents, the couple may want to help their children pay for college, buy a first car, or leave enough money for the surviving spouse to take an unpaid break from work to grieve. Future expenses should also include the cost of the funeral.
Make things simple by letting an online calculator do the work. Try ones fromSmartAsset, Bankrate and Prudential.
How do you save on premiums? It's important to shop around before buying a policy. Be wary, though, of sharing information with a website that asks only for a name and contact information. Often this input is sold to many agents or brokers, which can result in a flooded inbox and unwanted phone solicitations.
Using brokers who work with multiple companies can be a good idea; they can use one set of information to get competing quotes from multiple insurers (and policies bought through a broker often cost the same as identical policies bought directly). Jeremy Hallett, chief executive and co-founder of online life insurance broker Quotacy.com, points out that not only do companies calculate life expectancy differently, but they may also consider specific events or lifestyles differently.
For example, smokers can pay premiums that are up to 200 percent higher than non-smokers, Some insurance companies lump cigar, e-cigarette and chewing tobacco users into the same category as regular cigarette smokers, but some don't. A drunken-driving record can also increase premium rates, but some insurers may not raise rates for a first incident.
Life insurance often requires a medical exam (non-exam options exist, but the rates may be higher or limits lower) and rates are lowest for the healthiest people. Eating well and exercising regularly can go a long way, but making a last-minute effort does not usually cut it. Hallett says many insurers count only half the weight lost over the past year, assuming the other half is likely to return.
Sometimes there are other discounts available, such as a multi-line discount for policyholders with other insurance products from the company. The discount does not guarantee a lower total price than buying life insurance from a different company, though.
Do not set it and forget it. Ideally, a life insurance policy will last for years without ever being used -- but the policy should be checked every year or two. Make sure coverage is sufficient, and change things as need be by canceling and rebuying a new policy or adding a supplementary policy on top of the existing one.
Changes in health can also prompt a new look at the policy. Increased health might mean a new policy will be cheaper. After developing a chronic condition, converting a term policy to a whole life policy may be a good idea, if it is an option.
Health Insurance
FEATURED ARTICLES
NEWS
June 4, 1989
Surgeon General C. Everett Koop said that the U.S.HEALTH CARE
system is unfair to millions of Americans, and he called for the appointment of a presidential commission to draft a plan for change. In a commencement address to graduates of the University of Massachusetts in Boston, Koop catalogued the ills of the medical delivery and insurance system, laying particular emphasis on inequities. "Our current system of health care is not fair, it's not just and it's not the morally strong system this country deserves," he said.
system is unfair to millions of Americans, and he called for the appointment of a presidential commission to draft a plan for change. In a commencement address to graduates of the University of Massachusetts in Boston, Koop catalogued the ills of the medical delivery and insurance system, laying particular emphasis on inequities. "Our current system of health care is not fair, it's not just and it's not the morally strong system this country deserves," he said.ARTICLES BY DATE
BUSINESS
April 27, 2014 |
Arlette Lozano came to this country 18 years ago from Mexico at age 8 when her mother sent her and her 3-year-old brother across the border with the help of a coyote - someone paid to smuggle people across the border. There wasn't enough money for their mother to travel with them, so the children came alone to meet an aunt living in East Los Angeles. "It was very scary," Lozano recalls. "I remember my mom telling me not to fall asleep because they can kidnap us. " Lozano, now a 26-year-old student at UCLA with a double major in global studies and anthropology, grew up in Fullerton with her brother and mother, who eventually made her way to the U.S. Despite distant memories of the dangerous trek she and her brother took years ago, she says she knows no other life than the one she's lived here in America.
BUSINESS
November 10, 2000 |
Secure Horizons, the nation's largest Medicare HMO, said Thursday it will freeze membership next year in 41 countiesNATIONWIDE, most of them in California. The announcement that new members will not be accepted in 24 California counties, among them Riverside, San Bernardino, Santa Barbara, Kern, Alameda and Contra Costa, came as Secure Horizons' parent company reported disappointing results for the third quarter, though they beat estimates. Santa Ana-based PacifiCare Health Systems Inc.
, most of them in California. The announcement that new members will not be accepted in 24 California counties, among them Riverside, San Bernardino, Santa Barbara, Kern, Alameda and Contra Costa, came as Secure Horizons' parent company reported disappointing results for the third quarter, though they beat estimates. Santa Ana-based PacifiCare Health Systems Inc.NATIONAL
April 25, 2014 |
DURHAM, Ore. - Oregon officials voted unanimously Friday to jettison the state's disastrousHEALTH INSURANCE exchange and switch to the federal system, admitting disappointment and defeat in an arena where the state had been a trailblazer. With its 7-0 vote, the board of directors for Cover Oregon acknowledged that the state exchange was too expensive and too troubled to fix. Although the state has spent an estimated $248 million to get the operation up and running, it never enrolled a single private insurance customer online.
exchange and switch to the federal system, admitting disappointment and defeat in an arena where the state had been a trailblazer. With its 7-0 vote, the board of directors for Cover Oregon acknowledged that the state exchange was too expensive and too troubled to fix. Although the state has spent an estimated $248 million to get the operation up and running, it never enrolled a single private insurance customer online.NEWS
August 28, 1994 |
Through the squalls and storms of the past few months, no one has been more doggedly upbeat about President Clinton's ambitious plan for national health care reform than senior adviser Ira Magaziner and First Lady Hillary Rodham Clinton. Magaziner, chief architect of Clinton's health care plan, took great delight in calling attention to his office bookshelves.
BUSINESS
March 14, 2010
Re: Michael Hiltzik's business column "What do we need health insurers for?," Feb. 28: WellPoint's 39% premium rate hike is pure extortion from people who can't afford to give upHEALTH INSURANCE. Seniors on Medicare don't live with 39% rate hikes because Medicare is not designed to enrich stockholders. If private insurers keep gouging policyholders, don't be surprised if you start having "town hall meetings" with people requesting Medicare or the public option. George Bruce Wells Seal Beach : : As a for-profit company, WellPoint and its ilk have priorities that are not compatible with what is best for the populace.
. Seniors on Medicare don't live with 39% rate hikes because Medicare is not designed to enrich stockholders. If private insurers keep gouging policyholders, don't be surprised if you start having "town hall meetings" with people requesting Medicare or the public option. George Bruce Wells Seal Beach : : As a for-profit company, WellPoint and its ilk have priorities that are not compatible with what is best for the populace.BUSINESS
March 18, 2012 |
If you're self-employed, unemployed or work for a company that doesn't offer medical coverage, you may have to find your own insurance. Some tips to get you started: • U.S. Uninsured Help Line: This service by the nonprofit Foundation for Health Coverage Education helps people determine their insurance options. Be prepared to answer questions about how many family members need coverage, household income and preexisting medical conditions. Call (800) 234-1317 or go to coverageforall.org . • COBRA: If you recently left a job where you had health insurance, you can continue your coverage, at your expense, under the federal COBRA program for 18 months.
BUSINESS
February 1, 2012 |
A high-stakes ballot measure to give state regulators the power to approve health insurance rates in California has landed a heavyweight supporter: U.S. Sen. Dianne Feinstein. One of California's most respected politicians, Feinstein has come forward as the chief spokeswoman and No. 1 booster of a proposed initiative to regulate hikes in health premiums. "I am proud to tell you that I was the first person to sign a new ballot initiative petition that will reform the health insurance industry in California," Feinstein, a San Francisco Democrat, wrote in an email sent to about 2 million registered voters.
HEALTH
March 30, 2011 |
It seems like a simple idea: create new marketplaces, called "exchanges," where consumers can comparison shop for health insurance, sort of like shopping online for aHOTEL ROOM or airline ticket. But, like almost everything else connected with the health overhaul law, state-based insurance "exchanges" are embroiled in politics. Some Republican governors are threatening to refuse to set up exchanges unless they get more flexibility over Medicaid, the state-federal health program for the poor.
or airline ticket. But, like almost everything else connected with the health overhaul law, state-based insurance "exchanges" are embroiled in politics. Some Republican governors are threatening to refuse to set up exchanges unless they get more flexibility over Medicaid, the state-federal health program for the poor.NEWS
November 7, 2013 |
WASHINGTON -- President Obama apologized Thursday for the fact that some people are losing their currentHEALTH INSURANCE PLANS even though he had told Americans they could keep their plans if they wanted to, saying his administration was working on changes to his healthcare law to address the problem. "I am sorry that they are finding themselves in this situation based on assurances they got from me," the president told NBC News in an ...
even though he had told Americans they could keep their plans if they wanted to, saying his administration was working on changes to his healthcare law to address the problem. "I am sorry that they are finding themselves in this situation based on assurances they got from me," the president told NBC News in an ...ENTERTAINMENT
April 23, 2014 |
No joke: The walkout by editors and assistant editors on the NBC show "Last Comic Standing" is over after less than two days. An official with the Motion Picture Editors Guild said 15 workers returned to work Wednesday morning after the union reached an agreement with NBC to provide a union contract for the employees. "Thanks to the courage and cohesion they demonstrated, and to the overwhelming support showed to them by their Local 700 sisters and brothers and the entire IATSE [International Alliance of Theatrical Stage Employees]
BUSINESS
April 23, 2014 |
Kathleen says the cost of herHEALTH INSURANCE has soared. She wants to know why -- and who she can complain to. Kathleen isn't alone. A lot of people have seen their health-insurance premiums rise in recent months, and there's a reason for this. Obamacare. ASK LAZ: Smart answers to consumer questions That's not to say all such rate hikes are unjustified. In most cases, the costs are rising because the quality of the coverage is improving. TheAFFORDABLE CARE ACT requires that allHEALTH INSURANCE meets certain standards, and some plans are going up in cost for the simple reason that they're complying with the law. For more, plus who's taking complaints about such things, check out today's Ask Laz video.
has soared. She wants to know why -- and who she can complain to. Kathleen isn't alone. A lot of people have seen their health-insurance premiums rise in recent months, and there's a reason for this. Obamacare. ASK LAZ: Smart answers to consumer questions That's not to say all such rate hikes are unjustified. In most cases, the costs are rising because the quality of the coverage is improving. TheAFFORDABLE CARE ACT requires that allHEALTH INSURANCE meets certain standards, and some plans are going up in cost for the simple reason that they're complying with the law. For more, plus who's taking complaints about such things, check out today's Ask Laz video.CALIFORNIA | LOCAL
April 22, 2014 |
Long Beach health officials are warning residents of a sharp increase in whooping cough cases in the city. Health officials say 42 cases have been reported since January. Although officials did not immediately have a breakdown for the cases reported in the same period last year, they said 15 cases were reported for all of 2013. Four cases were reported in 2012. This year, most of the infected have been school-age children, officials said, adding that no deaths have been reported.
SCIENCE
April 22, 2014 |
Among the various provisions of theAFFORDABLE CARE ACT, few are as controversial as the one requiring health insurance providers to include coverage for contraception. A new survey finds that support for this rule is widespread, with 69% of Americans in favor of the mandate. Among 2,124 adults surveyed in November 2013, 1,452 agreed that “health plans in the United States should be required to include coverage” for “birth control medications,”ACCORDING to a research letter published online Tuesday in the Journal of the American Medical Assn.
, few are as controversial as the one requiring health insurance providers to include coverage for contraception. A new survey finds that support for this rule is widespread, with 69% of Americans in favor of the mandate. Among 2,124 adults surveyed in November 2013, 1,452 agreed that “health plans in the United States should be required to include coverage” for “birth control medications,”ACCORDING to a research letter published online Tuesday in the Journal of the American Medical Assn.OPINION
April 22, 2014
Re "Patients lose in insurers' games," Column, April 18 David Lazarus tells of the ordeal a young female patient and her doctors went through to have breast reduction surgery covered byINSURANCE, only to be denied. In the 1980s, I worked in a unit that reviewed appeals of medical claims denied under the group policies issued by my company. Many of the denied claims were for breast reduction. We reviewed these appeals carefully, as we recognized that the term "illness" included physical pain or limitation caused by something other than disease or injury.
, only to be denied. In the 1980s, I worked in a unit that reviewed appeals of medical claims denied under the group policies issued by my company. Many of the denied claims were for breast reduction. We reviewed these appeals carefully, as we recognized that the term "illness" included physical pain or limitation caused by something other than disease or injury.BUSINESS
April 17, 2014 |
Dr. Theodore Corwin, a plastic surgeon in Thousand Oaks for the last 30 years, has had run-ins with insurers before, but never one so aggravating - and pointless - as this. A 26-year-old woman recently came to his office complaining of back, neck and shoulder pain, as well as numbness in her hands and arms, resulting from her unusually ample bust. She's 5-foot-6, not overweight, Corwin said. She wanted a breast reduction. "There seemed to be no question that her pain and numbness was caused by her carrying this excessive weight," Corwin told me. "It seemed like a straightforward diagnosis .
