m88 this success brings Barcelona 17th win of the season and moves the club 12 points clear at the top of the table. The thrashing began with Xavis opening goal after just 10 minutes. Pedro soon netted a double before Lionel Messi converted a penalty after Cesc Fabregas was brought down in the area. Their star, Argentina forward Leo Messi has finished 2012 with an astonishing 91 goals in all competitions and is now poised to become the first player to win four successive FIFA Ballon d’Or awards, sealing his status as the greatest player of his generation.
Lionel Messi scored his first goal of 2013 as FC Barcelona played host to their crosstown rivals Espanyol in a thrilling derby match in the Spanish league on Sunday. It will crown another landmark year for the 25-year-old footballer if he can win over club teammate Andres Iniesta and rival Cristiano Ronaldo of Real Madrid.
Lionel Messi wins prestigious Ballon dOr award for 4th year in a row
Lionel Messi of FC Barcelona celebrates after scoring his team’s fourth goal during the La Liga match between FC Barcelona and RCD Espanyol at Camp Nou on January 6, 2013 in Barcelona, Spain.
A fourth straight title would lift the Camp Nou star above FIFA World Player of the Year three-time winners Zinedine Zidane and Ronaldo of Brazil.
Lionel Messi & Antonella Roccuzzo: Star striker rushes to his girlfriend’s bedside for the arrival of his son Thiago
See more pictures:
The Argentine, who is the top scorer in La Liga this season with 25 goals, has also broken German great Gerd Mueller’s 40-year record for the most goals in a calendar year.
Lionel Messi is the overwhelming favourite to see off the challenge of Barcelona teammate Andres Iniesta and great Real Madrid rival Cristiano Ronaldo for FIFA Ballon d’Or award in Kongresshaus, Zurich on on January 7, 2013.
Lionel Messi 2013: Barcelona star answers critics with winners against AC Milan (Photos). The excitement was all in Barcelonas favor as the Catalan giants dominated the game with an emphatic 4-0 victory over the neighbor at Camp Nou
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COPYRIGHT 1997 Scottish Daily Record & Sunday
No portion of this article can be reproduced without the express written permission from the copyright holder.
. All rights reserved.
In their first-ever venture into Europe, Raith lost the first leg
2-0 but Lennon stunned Bayern in the return when he gave Rovers an
incredible lead three minutes before the break.
“The Celtic game will be an interesting test and it will be
good to see Andreas Thom, I have seen a couple of his goals on TV.”
Bayern recovered in the second half and goals from Klinsmann and
Markus Babbel put them through.
It was one of those crazy night’s as the Raith players sat in
the Olympic Stadium dressing room at half-time holding an amazing 1-0
lead over mighty Bayern.
Rovers fans look set to snub tonight’s glamour showpiece against German cracks Bayern.
Klin could move on at the end of the season and he admitted:
“There has been contact from clubs in the Premiership and it’s
always a pleasure when big clubs in England show an interest in
Lennon revealed: “When we went in with that lead Jimmy just
looked at our faces and burst out laughing.
Bayern arrived in Scotland last night for their double header which
will also see them take on Celtic tomorrow night in Peter Grant’s
Meanwhile, Bayern agreed yesterday to sell Christian Ziege, star of
Germany’s Euro 96 triumph, to AC Milan for pounds 4.5m.
Klinsmann said: “The two games are part of our preparations
for the second half of the season.
Assistant boss Steve Kirk is still confident there’ll be a
good turnout to see Jurgen Klinsmann and co. None of us could believe we
were beating the famous Bayern Munich.”
In fact, Danny Lennon can still hear his old Rovers gaffer Jimmy
Nicholl ROARING with laughter.
Tonight’s match will bring back a million memories for Raith
who played Bayern in the UEFA Cup in 1995 – and gave them the fright of
Only 2500 tickets have been sold for the friendly which marks the
official opening of the new stands at Stark’s Park.
Lennon added: “To score against Bayern was fantastic.
They’re one of the biggest clubs in the world and Raith managed to
give them a run for their money. He said: “Bayern are
one of the biggest names in world football and with the game drawing
closer there has been more and more interest.”
And Rovers are so anxious the big night doesn’t turn into a
huge flop that they’ve cut prices and fans can now also pay at the
Copyright 1997 Gale, Cengage Learning
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m88 the biggest obstacle to change in Germany may come from those very supporters, many of whom view the English Premier League with disdain, given that they see themselves at the center of a club’s structure.
The Bundesliga boasts some of the world’s finest stadia, and its commitment to safe standing areas has helped enable clubs to keep prices low, as well as creating the boisterously vibrant atmosphere that characterizes top-flight games.
Formerly known as SSV Markranstdt, league regulations prevent the club using the Red Bull brand in its name, so it settled on RB Leipzig instead; but there is no ambiguity over the power driving it forward, with a reported planned $128 million investment to take the club to the Bundesliga by 2017.
In 2009, Rasen Ballsport Leipzig (better known as RB Leipzig) became the fourth club in Red Bull’s football portfolio, alongside Red Bull Salzburg of Austria, Red Bull Brasil, and the New York Red Bulls of the American MLS.
Those seeking a balance between these sometimes awkward bedfellows will often point to Germany and the Bundesliga. Story highlightsBayern Munich and Borussia Dortmund to contest Champions League finalGerman football’s Bundesliga is often held up as ideal league modelIts “50+1″ ownership rule viewed as key to stability for its clubsBut have Bayern and Dortmund created “duopoly” endangering that stability?Most fans would agree that a great football league needs some key ingredients: skilful players, excitement and drama on the pitch; and off the field, passionate supporters and owners who love and understand the game. At the last vote on changing this rule, back in 2009, only Hannover 96 voted to scrap it.
The German system is geared towards preventing the influence of a rich benefactor from skewing the competition, but some argue that it will only serve to perpetuate the status quo.
Hannover has now won concessions in its attempt to change the “50+1″ rule, and these will allow sponsors with a long-term relationship with a club — more than 20 years — to take a stake in it.
However club fans are already protesting about these changes, perhaps anxious at the advantage such a move might give their rivals.
“The next five years will be interesting,” said Dykes. But is it?
In the domestic Bundesliga, Bayern finished 25 points clear of Dortmund and 36 points ahead of fourth-placed Schalke 04.
“It’s getting better,” says Wolter.
But it has been the club’s willingness to part with its top players at the height of their value that has restored Dortmund’s financial health.
Read: Bayern give Heynckes winning Bundesliga farewell
It’s not hard to see why Bayern and Dortmund have become so omnipotent both at home and abroad.
“Two great managers, two teams that almost mirror each other in the way they play, the way they attack, the way they defend without the ball,” former Bayern midfielder Owen Hargreaves told CNN.
Read: Bayern coach celebrates 1,000 games
This year, partly in response to incidents of crowd trouble at games, there have even been whispers that the prized standing areas could be abolished.
“Standing is vital to low ticket prices, but also the atmosphere and the overall product of German football,” said a skeptical Dykes.
“The league realizes that and I can’t see the standing areas being given up.
After promotion in its first season, followed by two years in German football’s fourth tier, its plans look to be on track as the club prepares to contest the playoffs for another promotion in June. With two clubs in Saturday’s Champions League final at London’s Wembley Stadium, high attendances, keenly-priced season tickets, equitable club ownership and the national team on an upward trajectory, German football appears to be in rude health.
Arguably the competition is beginning to resemble anything but.
Eight years ago it was on the brink of financial ruin, missing rent payments on its stadium and facing crippling losses. “Success comes and goes. I’m not worried.”
For Wolter, the key to success lies in a combination of youth and prudence.
“You look at a team like Freiburg, they have a good academy, a good coach; it’s still possible (to be successful).
“A lot of people in Germany love Bayern and love Dortmund, in the same way as people (in England) love Manchester United or Chelsea,” he added, “but there are a lot of people who root for the underdog as well. If we’re still talking about those two in a few years’ time, or Bayern are still miles ahead, then it would be a worry.
“At Dortmund, the average age is 23, and I think Jrgen Klopp has done such a remarkable job to take that group of players and virtually dominate some terrific European teams.”
Yet among German fans there are concerns.
“Of course the current situation could become unhealthy,” said Stuart Dykes, a Schalke season ticket-holder since 1988, and the supporter liaison officer project consultant at fan ownership campaigning body, Supporters Direct.
“Even Bayern, while obviously delighted to have won the title so comfortably, have talked about it not being in their interests to do it every year.
This means a club cannot be taken over by private investors. If Manchester United’s path to the English Premier League title looked like a cakewalk, the German champions could have taken the entire dessert trolley along with them. “We’ve shown elsewhere that we’re about a strong, sustainable investment and commitment. The new television contract has also given clubs more money …
Writing in the German tabloid Bild last month, Bayern’s former goalkeeper Oliver Kahn expressed fears that the domination of the Munich club and Dortmund — Bundesliga champions in 2011 and 2012 — is here to stay, and that the gulf at the top could widen even further in the future.
Even Dortmund’s manager Jrgen Klopp has remarked that the league is in danger of becoming boring.
“People look at that possibility and of course it could be bad, but why would it happen? Bayern have always spent big; Dortmund is an exceptional team, but where will they be in three years?
“Players lose form, get injured, things can change quite quickly.
Shinji Kagawa, signed for just $300,000 from the Japanese second division, was sold to Manchester United for $17 million, while Sahin joined Real Madrid for $12.8 million. It would be difficult under German federal law to ‘ban’ them anyway, so I just can’t see it happening.”
The worry for other Bundesliga clubs must be that the success of Dortmund and Bayern could put them out of sight in the financial and playing stakes; last year Chelsea received an estimated $77 million from winning the Champions League, while beaten finalist Bayern pocketed $53.65 million.
Youth and prudence
However, the notion that a couple of teams might dominate their league is not confined to Germany.
“Spain’s that way, the last three or four years the third or fourth place team, they still play Champions League and they’re 30 points behind,” said Hargreaves.
“Bayern have only conceded something like 15 goals, which is ridiculous in a full season,” he added. and these academies are profit centers,” he says.
But while the cheapest season tickets represent superb value, if fans turn up on match day looking for tickets then the story is rather different.
“Obviously (Dortmund and Bayern) have the power and the money to buy the best players as Bayern has done again; they’ve signed Gtze for 37 million, and you know, the rich get richer, and that’s just the way that football works,” said Hargreaves.
“People can argue that’s not fair, but they paid a lot of money to Dortmund — and they can invest that money in younger players.”
Read: Bayern complete rout of Barcelona
In England, the Premier League has taken a laissez-faire approach to regulating clubs’ finances. It’s a friendly family atmosphere here, with men, women, children, pensioners, it’s a different way.”
Germany’s often raucous fans are, however, part of the fabric of the Bundesliga experience. We don’t have ‘ultras’ and we don’t need them. “People are always talking about cheap tickets, but it can be misleading,” says Dykes. Ultimately the overall product of German football would suffer.”
Not content with running away with the Bundesliga this season, Bayern are already laying plans to dominate next season, notably with the appointment of former Barca coach Pep Guardiola — who guided the Catalonia club to 14 trophies in four years — to take over from Jupp Heynckes. So I think, in a way, it’s a fair balance.”
Read: Why Guardiola will make Bayern better
And Dykes remains unconvinced that a tipping point has been reached.
“It’s too early to be talking about a duopoly,” he said.
The club’s stadium, the impressive 45,000 capacity Red Bull Arena, is certainly ready.
“We accept this rule,” said RB Liepzig’s managing director Ulrich Wolter, referring to the “50+1″ rule.
“Why is our way the wrong way? What is the difference between our approach and a club with 50 different sponsors delivering the same thing?”
Even so RB Leipzig’s new investors have encountered resistance.
The pitch at its former stadium was attacked with weed killer not long after the takeover, and fans of other clubs can be less than welcoming.
Alongside huge television deals — the latest of which could see a record 5.5 billion ($8.3 billion) windfall in broadcasting income — extraordinarily wealthy owners such as Chelsea’s Roman Abramovich and Sheikh Mansour at Manchester City have been allowed to spend big for success.
Arguably Dortmund were unable to mount an effective challenge this season as they saved their best performances for the Champions League.
But the brilliance of both Bayern and Dortmund in their respective semifinal wins against Real Madrid and Barcelona suggests the Bundesliga needs to be wary of an emerging duopoly.
But these days soccer is also about big business, million-dollar deals and billionaire benefactors lining up to plow money into the game.
“Of course standing tickets are cheap, as you would expect; but once these go, and they’re usually in demand, the ticket prices at the top end are broadly comparable to those in England.”
In fact, at $88 the most expensive match-day ticket for Bayern is the same as that at Manchester City, for example — and $9 more expensive than at Manchester United.
But the model in Germany is very different.
Under the league’s “50+1″ rule, Bundesliga clubs must be controlled by their members — with at least 50% of shares, plus one, in their hands. It’s also about education, good background work.”
Nevertheless, as Bayern and Dortmund take the field at Wembley, some may be wondering if, as well as a moment of national pride, this game might also mark a less welcome watershed in German football.
“The intention of the rule is to secure the league’s integrity against short-term investment, I think everyone understands that.”
However, Wolter is frustrated at the resistance to RB Leipzig’s owners.
“Red Bull is not a Russian oligarch, or an Arabian sheikh,” he said.
Extraordinarily, a loan from Bayern played a part in Dortmund’s survival — with $2.5 million handed over to help stave off bankruptcy.
Dortmund’s path back to solvency and success has been paved by Klopp’s highly astute signings, such as Poland striker Lewandowski, as well as his trust in talented graduates from the club’s youth academy, like midfielder Nuri Sahin. “We’re proud of our family and spectators. “The rules have had exceptions to allow for the different ownership structures of teams like Bayer Leverkusen and Vfl Wolfsburg, but Hannover has argued that this leaves them at a disadvantage, and you can see why.”
Read: Football enters space age with ‘Footbonaut’
But how is a booming Bundesliga affecting German football further down the feeding chain?
In the former East Germany, far from the country’s football powerbase, one lowly team’s fortunes are being transformed by Austrian soft drink company Red Bull’s takeover.
Dortmund’s hopes of catching Bayern next season have been further jeopardized by the loss of playmaker Mario Gotze, who recently agreed to join the Munich club at the end of this season in a $56 million deal.
Rumors of a Bayern bid for the Bundesliga’s second-highest scorer Robert Lewandowski, whose four goals against Real Madrid in the semis propelled Dortmund to Wembley, suggest a strategy centered on dismantling their only rivals’ chances before next season has even begun.
Read: English Premier League should follow Bundesliga example
The consolation for Dortmund fans is that at least the club has some money to spend to try to keep pace. “But it’s not all about money
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CON GAMES — The Culture Editor of the New York Times, who deigns on bad days to write about sports, says: “Sports are absurd.” (This in Sunday’s New York Times Magazine.) But if you’re a true sports fan, then you know Culture Editor is in way over his head — a man down in the brain with a dugout phone that doesn’t work and a red card in his wallet that he never leaves home without.
Instead, Chelsea’s second half against QPR microwaved into a classic.
Absurd, right? Down 1-0 on the road and two men down, Chelsea should have given up. What better word or way for a scribe to describe the second half of Chelsea FC’s war over the weekend against Queens Park Rangers (QPR), promoted to the Premier League this season after 15 years in the dustbin of relegation. You slog and blog through game after game in sport after sport — and then something happens, and you instantly understand why you have invested all that time and why the ultimate payoff is worth it.
The list is long and could be longer (Meireles, Ivanovic, Anelka) — but the point is that nine men railed together against the Fates. Attacking midfielder Frank Lampard, left for dead a month ago, was transcendent, racing about the pitch and throwing his body about with no regard for tomorrow. Absurdist as it may seem, angry players playing with an edge generally play their best. That’s exactly what I love about it. They lost but it was defeat replete with glory that can only bode well for whatever follows.. Goalies don’t often get a chance to show they are consummate field players, but Cech pulled it off without a blip at Loftus Road.
Chelsea, you see, was supremely pissed at Foy, at QPR, at QPR’s loathsome bandy-legged fans, at the injustice of their situation. (A central defender charging a keeper!) The Brazilian David Luis, responsible for the foul that gave up a penalty kick and the only goal, was as ubiquitous as Terry, with particular malice in the box waiting for corner kicks. Captain John Terry, the central defender who just opened his own snake shop, played like he had responsibility for the entire pitch, at one point provoking a brouhaha when he charged into the QPR goalie. With Drogba and Jose Bosingwa gone for the day, Foy’s decisions meant Chelsea would now play the vast majority of the second stanza 11 against 9 — an all but hopeless situation.
But first-year Chelsea manager Andre Villas-Boas (AVB), thirty-something, would have none of it, amigo. Now we play football like we are nine-headed monster. Left back Ashley Cole became a left wing and an instant danger man.
So, yes, I guess you could say sports is absurd. No one has a position any more. The Chelsea nine were not only spectacular as individuals but unforgettable as a group, and I give the manager credit. QPR played Chelsea at home at Loftus Road before over 18,000 — their largest crowd of the season in a high-school bandbox.
Watching sports is its own reward. All hail Chelsea FC.
You want absurd? I’ll give you absurd. When one of you moves, everyone moves. Tactically, the second half was a masterpiece, as if AVB had said to his nonet: “We are going to win and here’s how. For Cech that meant he was constantly propelled beyond the 18-yard box and into the field in the role of sweeper performed without flaw. After the weekend’s 6-1 pasting by Manchester City, Manchester United manager Sir Alex Ferguson — he’s a knight, for Chrissakes — said he should have pulled the lads back and conceded a man-down loss to their in-town derby rival. There was no hint that this match was to become a game for the ages — until Didier Drogba perpetrated a two-footed tackle that earned a red card from referee Chris Foy, the second such ticket he had issued against Chelsea that day.
Think of it this way: by the end of the match, every Chelsea player on the pitch had a yellow card to go with the two reds — literally everyone except Petr Cech, the keeper with the padded head
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Galileo, which had offices in London, owed creditors more than 2 million pounds ($3 million) when Centaur folded in 2012.
“There are opportunities in sports betting for individuals but I am not sure that a fund would be able to do much damage,” Blake said.
Priomha Capital Pty Ltd, an Australian hedge fund manager that bets clients’ money on sports, plans to relocate to Gibraltar by the end of the year to double the A$5 million ($3.9 million) it has under management.
Employing a method used by individual gamblers and syndicates, Priomha looks for value by tracking sports statistics against betting odds before and during matches. Former Centaur CEO Keith Sobey couldn’t immediately be reached for comment.
Melbourne-based Priomha’s multisports fund returned an average of 17 percent since 2010 by m88 betting all of the funds as often as twice a month, Chief Executive Officer Brendan Poots said in a telephone interview. The relocation will also bring tax advantages, he added.. Priomha employs three statisticians to work with traders, and bases as little as 20 percent of decision-making on “qualitative” judgment, such as the effect on a team of the injury of a key player, Poots said. Priomha uses computer models to wager on English Premier League soccer, as well as cricket, horse racing, golf and tennis.
Poots said he’s in advanced talks with Gibraltar’s Financial Services Commission about becoming a private fund, “a sort of traineeship” for 12 months, and then becoming an experienced investor fund.
Even if the fund’s model is effective, its expansion will be restricted by the volume of regulated betting in sports, according to Peter Blake, founder of Hook, England-based Bet Angel Ltd., which sells software to help individuals to wager on sports trading exchanges such as Betfair Plc.
Blake, who’s also a professional sports gambler, said it’s not possible to bet more than about 175,000 pounds on the Grand National, one of the U.K.’s biggest horse races, without distorting market prices.
Investors will have “a greater degree of comfort” after we move because hedge funds in Gibraltar are regulated more thoroughly than in Australia, according to Poots, a former cricketer who played for the U.K.’s Sussex. It hedges betting to offset potential losses.
The sports fund, which will target high net worth individuals and family offices, has expanded more cautiously than Galileo, a previous sports-gambling fund managed by Centaur Global Ltd., Poots said. Centaur overstretched itself while still working on such algorithms when it opened its sports fund in 2010, according to Poots
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Daily Double Bet – A bet on the first place finishers in two consecutive races.
The following is the correct way to place a bet with a betting clerk:
Trifecta Bet – A bet on the exact first, second, and third place finishers in exact order.
To place a $2 Exacta Box bet on horse 2 and 5, you would say, “<Track Name>, $2 Exacta Box on Numbers 2 and 5″ (keep in mind that this is actually a $4 bet since you are boxing the bet).
Once you have taken the time to look over the racing program and the professionals’ advice, it is time to start figuring out which bets you would like to place for the upcoming race.
Place Bet – A bet that the horse you chose will come in second (a place bet is also a winning bet if the horse you chose comes in first).
The reason why you need to start out with the <Track Name> is because you can bet on horse races at many tracks from the horse track you are currently at, so you need to specify the track to the betting clerk.
Box Bet – Any of the above bets can be boxed for an additional wager. For example, instead of paying $2 for an Exacta bet that requires the horses to finish in an exact first and second place order, you can pay $4 for an Exacta Box bet, and you will win the Exacta bet regardless of which of the two horses comes in first.
Show Bet – A bet that the horse you chose will come in third (a show bet is also a winning bet if the horse you chose comes in first or second).
Win, Place, and Show Bet (a.k.a. To keep things fun and not risk too much money, most beginners make $2 bets. At this point, some people like to spend some time on the paddock to see the horses being walked from the stable to the track, as it adds to the horse racing experience and occasionally one might notice something about a horse that influences the way they bet, such as a horse that appears sluggish or one that seems like it is in exceptional shape.
Exacta Bet – A bet on the exact first and second place finishers in exact order.
Win Bet – A bet that the horse you chose will win the race.
To place a $2 Win bet on horse number 7, you would say, “<Track Name>, $2 to Win on Number 7″.
While there are a variety of bets, the following are the most common bets, and are more than enough for beginners. Never bet more than you can afford to lose. Across The Board Bet) – Bets on the first, second, and third place finishers; each act as a separate bet.. The point is to have fun, not to go home without money you need to pay your bills
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It begins next weekend when sensational Songbird, a filly that some, myself included, say is reminiscent of Ruffian, gets her first serious challenge when she meets Carina Mia in the Coaching Club American Oaks.
All in racing who truly love it, and wish it would last forever, please don’t raise your hand. F. As the surface particles erode under continual exposure to mechanical effects (e.g., the pounding of horses’ hooves, harrowing, etc.) and environmental effects (e.g., heat, sunlight, wind, moisture, etc.) the dust and vapors created are inhaled by horse and rider. Brown came close last year and with more talented dirt runners in the barn, this could be his year. Both will be going all-in. Steven A.
With the addition of Florent Geroux and the strong riding of Joel Rosario in New York this year, the jockey battle, always of supreme interest in Saratoga, will be very highly contested. Brown’s legion of turf runners. The industry did experiment, generating mixed results, with all-weather synthetic surfaces as a substitute for dirt. However, as a trained scientist I found it disturbing that these surfaces were installed and used without any prior long-term studies of their health effects on the horses or the riders. In reality, synthetic surfaces are not the same as or even a close approximation to dirt. Weather will factor into this, of course. Roman, creator of the Dosage Index algorithm that measures a sire’s pre-potency for passing on his distance racing capability to its offspring, I am not optimistic when it comes to racing’s future when measured against real-world materiality.
It’s in that spirit, in the hope that Roman’s long goodbye will resonate with a heretofore unknown guardian angel, one brilliant enough to invent a magic wand so big that it can be waved over 38 horse-racing states and the District of Columbia.
And I still mean that and why I, personally, will not leave the game until someone pulls the remote out of one cold dead hand while I try to bet with the other.
“I’ve never understood why any transgressions by trainers, owners, riders or veterinarians that could affect the outcome of a race and, consequently, the bankrolls of horseplayers are tolerated at all. Not knowing the long-term effects should be completely unacceptable – but not, apparently, to those who control the game.
The following remarks are the thoughts of a man who at no time wanted to make racing a profession, but rather it remain an avocation, something to love, see it prosper and endure, enjoyed by a wider audience. It’s far worse when they are exposed to dust and vapors from eroding synthetic materials and even natural materials that are potentially carcinogenic or may physically damage the respiratory system. This protects not only the athletes but the interests of the horseplayers as well.
Beyond this, the human races figure to be even more interesting. And, presumably, although debatable, maintenance costs can be lower as well.
With Saratoga Looming, Something Old and Some New Things
HALLANDALE BEACH, July 17, 2016–From Southern California to the Jersey Shore, and from Kentucky and, as of this weekend, Indiana, all roads are lead to Saratoga for the most consequential summit among three-year-olds of both sexes this year.
But what sense does it make to be a horseplayer or, for that matter, the owner of a well-bred two-year-old, if you can’t dream a little?
Here, then, Part 2 of Steven Roman’s long goodbye to the game…
“Solutions cannot be achieved without difficulty because of the overriding economic interests of those within the industry, but there are things that can be done.
“It’s bad enough when the athletes’ lungs are exposed to the dust from the breakdown of dirt particles. A. . Instead, step up and do something crazy; think outside the bottom line, about a long range plan that could work over time.
Interesting here will be the battles between Pletcher’s juveniles vs.
So. The objective, short of eliminating the sport, is to minimize the likelihood of injury and death, accepting that riders have a choice but the horses do not. An obvious step is the complete elimination of race day medication with severe penalties for violators, up to and including criminal prosecution or a lifetime ban depending on the severity of the infraction. Carke in American Association Equine Practitioners 55:183-186, 2009 noted that although it appears synthetic surfaces are safer than dirt, when synthetic surfaces replaced turf courses, Fatal Musculoskeletal Injury (FMSI) rates increased, confirming turf as the safest type of surface.
If all goes well for both, a rematch in the storied mile-and-a-quarter Alabama on August 20 is promised.
The week after–if all goes well in the Haskell Invitational and Jim Dandy–a rematch of Triple Crown achievers Nyquist, Exaggerator and Creator would be extraordinary, a few talented new shooters sprinkled in for added interest.
“Another even less likely approach is a switch to racing exclusively on grass, a surface well documented to reduce (but unfortunately not eliminate) fatalities and which is the standard racing surface for most of the world.
Of course, the results will depend on the quality mounts as most trainers have their “go-to” guys and barns can go hot or cold regardless of focus and intent. Which other gambling outlet permits similar behavior? What would the penalty be if the ownership or staff of a Las Vegas casino was caught cheating? Would it be a slap on the wrist? I doubt it.
“Improvement of the Breed” No Longer Applies to Thoroughbred Racing
Like the author of the following, Dr. With Chad Brown having an extraordinary Belmont meeting, you know perennial Saratoga leader Todd Pletcher wants to retain his title.
“If safety truly was the primary concern a safer surface, turf, already exists. The desired result? No revenue loss from cancellations due to weather-related problems.
With Geroux, the country’s leaded graded-stakes rider, joining Rosario, Saratoga titlists Javier Castellano and Johnny Velazquez, the prodigious Ortiz brothers and the emerging Manny Franco, the jockey race will be lively and highly competitive; great for bettors.
“I personally believe the real motivation behind the introduction of synthetic surfaces was purely economic with increased safety a secondary consideration and good for public relations. How many others tethered to the horse can say the same with that qualifier?
“There may have been marginal improvements in safety with synthetic surfaces, but that may be because they are inherently slower compared to dirt.
“Synthetic surfaces are formulated in different ways but generally consist of sand and polymeric materials in fiber form usually modified by the addition of rubber and wax. The drainage characteristics of synthetic surfaces are supposed to keep them viable under virtually all weather conditions. This rivalry isn’t media-made; it’s real.
I’ve written this before but upon leaving the Gulfstream Park walking ring behind the Florida Derby horses this winter as a few thousand fans surveyed the scene, I turned to a track executive and said: “I feel sorry for all the people that don’t get it about Thoroughbred racing.”
Five days and counting but, first, some unfinished business:
For Roman, his love of the game was enough to apply his science background to pedigree study, and he made a mark. will the racing industry finally act to reverse overall negative perceptions of the game, or is it already too late?
“As an industry outsider I have no say in implementing change, but I can have an opinion
Nevada’s defense was good enough to rank 36th for points allowed. Colin Kaepernick is a threat for both running and passing as he had 2,830 yards via the air and over 1,100 yards on the ground while Vai Taua was the leading rusher with over 1,500 yards. Boston College is a physical “old school” team that ranked 11th for total defense and has a fine back in Montel Harris, who rushed for 1,242 yards and 9 TD’s. Nevada won their final 6 games of the season while paying out 4 times in that span.
The Wolf Pack of course are best known for their thrilling overtime upset win over Boise State which earned them a share of the Western Athletic Conference title and their place in 2011 Hunger Bowl odds. Heading into 2011 Hunger Bowl picks as underdogs, Boston College finished 7-5 straight up and 5-7 against the spread with 9 of their games going UNDER the total. Online sportsbooks have opened with Nevada as a 7.5-point favorite in Hunger Bowl picks vs Boston College with an over/under betting total of 55.
2011 Hunger Bowl Picks: Nevada Wolf Pack -7.5
Nevada is an offensive juggernaut that finished 2nd overall in the country. Heading into Kraft Fight Hunger Bowl picks as touchdown favorites, the Wolf Pack finished 12-1 straight up and 7-6 against the spread with 7 of their games going UNDER the total. Coach Chris Ault is a Hall of Famer. The Eagles won their first 2 games, then lost 5 consecutive but rallied to win their final 5 games of the season as 2nd year coach Frank Spaziani got a contract extension after the rally.
The next to last game of the season before the Tostitos BCS National Championship takes place from AT&T Park in San Francisco on Sunday night with the 2011 Kraft Fight Hunger Bowl as the Boston College Eagles take on the #15 ranked Nevada Wolf Pack on ESPN at 9:00pm EST. The money line at sportsbooks has listed the Wolf Pack as a -300 favorite in 2011 Hunger Bowl odds and the Eagles as a +250 underdog.
For example, the public might have heavy betting interest week after week on a popular college football team such as USC.
The purpose of these adjustments, like all line adjustments, is to more equally divide the betting action. In our extended interview, Seba explained that there are 4-5 oddsmakers assigned to make lines for each of the major sports (pro & college football and basketball; MLB, NHL, boxing, golf). We do this by drawing from past experiences and applying them to current situations. Once a game’s power rating based pointspread is determined, the oddsmaker will make adjustments to that line after considering each team’s most recent games played and previous games played against that opponent. If an oddsmaker comes up with a preliminary line of USC -7, then an adjustment up to -7.5 or -8 would be made in response to the public’s expected USC bias. Seba explained that it all starts with each oddsmaker creating a line on each game based upon their own personal approach. Mike Seba is a Senior Oddsmaker at LVSC and has been making lines for the last six years. Examples of non-game factors that would require an adjustment to a team’s power rating are key player injuries and player trades.
What Is the Line Trying to Accomplish?
Oddsmakers can also change the line depending on various event-related factors such as player injuries or weather.
Moving the line is the oddsmaker’s effort to balance betting action, and often times such moves can have a major impact on a bettor’s decision.
“The main objective is that our clients get equal action on both sides,” Seba said.
Experts working for the individual books having a strong opinion on the game
A round-table discussion among the 4-5 oddsmakers involved in making the line for each sport is then conducted and a consensus line is decided upon by the Odds Director before it is released to the sportsbooks. Oddsmakers have to determine if any changes are necessary and send out an “adjusted line.”
How the Opening Line Is Made
Why the Line Changes
For example, if the pointspread on a game is 7 and most of the money is coming in on the underdog (taking the +7), sportsbooks will then move the number down to 6 ½ to try and attract money on the favorite. This usually includes having up-to-date power ratings on each team.
Las Vegas Sports Consultants (LVSC) is the world’s premier oddsmaking company and the most respected authority on making the lines. In doing so they attempt to make more attractive the team that is getting less action. Reasons for such adjustments include:
The last step in the line-making process for each oddsmaker is taking one final look to determine whether or not the line “feels right.” This is where common sense and past experience with how games are bet enters into the picture. If we’ve done that, we’ve done our job.”
The opening line is the first line created by the oddsmakers, which is then sent out to sportsbooks. Also, adjustments are made after reading each team’s local newspapers to get a sense of what the coaches & players are thinking going into the game.
“The #1 thing for us is to make a line for each game that creates good two-way action. .
Individual books having players who consistently bet with certain tendencies (such as an extreme bias toward favorites or toward a certain popular team like USC)
Since the oddsmaker’s ultimate goal is equally dividing the betting action, public perception and betting patterns must be taken into account. Each of these oddsmakers bring unique opinions, strengths and weaknesses to the process. “We’re not trying to pick the team that covers the spread, we’re trying to make it a coin flip, a tough decision (for the bettor). Of the 4-5 oddsmakers, generally the 2 most respected opinions are weighed more heavily by the Odds Director before he decides on the final line. Stated another way, they want to create a line that half the people find appealing to bet one way while the other half find it appealing to bet the other way (known as ‘dividing the action’).
Power ratings are the oddsmaker’s value of each team and are used as a guide to calculate a “preliminary” pointspread on an upcoming game. By moving the line, sportsbooks can influence how the public bets on a particular game.
Oddsmakers at LVSC are professional sports junkies who love what they do and would probably do it for nothing if you asked them, but they do get paid for it.
Once the opening line is released by LVSC, the individual sportsbooks decide if they want to make any adjustments before offering it to the public.
Once betting begins, sportsbooks can adjust the line at any time. The power ratings are adjusted after each game a team plays.
“You either have a passion for it or you don’t,” Seba said. Obviously, if the line comes out a week ahead of the event (which is the case in football), there is much that could happen during the week leading up to the event that could affect the line.
Divided action means the sportsbook is guaranteed a profit on the game because of the fee charged to the bettor (called juice or vig – typically $11 bet to win $10). That is not the case at all – their intent is NOT to evenly split the ATS result between the teams; rather, their goal is to attract equal betting action on both sides. By necessity their approach is very research-oriented and concise, since with millions of dollars at risk there is little margin for error. People think it’s much more complicated, but it’s not.”
There is a common misconception that point spreads represent the oddsmakers’ prediction of how many points the favorite will win by. Of course there is an entire method to the madness on how the opening line is created
To make up for the mineral loss caused during the race, they are generally given an electrolyte solution for drinking post-race.
Steeplechase is that form of horse racing which is held on an uneven surface, with hurdles like plain fences, water jumps, and open ditches. After the horse is two years old, it is introduced to racetracks for speed training.
Famous as the ‘Sport of Kings’, horse racing is one of the oldest sports that has been in existence for centuries. These races are mainly held in France, United Kingdom, Canada, Australia, United States and Ireland. The horses are also given massages (Equine massages) to improve their performance, and to ease pain, if any. So what is it that makes people put their heart and soul into this sport? Is it the thrill or is it the craze? Well, everyone has their own reasons, but this sport remains to be the favorite-most of all times.
Not only do these horses differ from each other in terms of their pace and physical appearance, the temperaments also vary from horse to horse. The most common breeds of race horses consist Quarter, Arabian, Thoroughbred, American Saddlebred, Oldenburg and Trakehner. Trotting races are mostly held in continental Europe, whereas in Australia, United States, United Kingdom and Canada, both trotting and pacing races are held. They often fall down from their horse and are crippled by the other horses running over them, causing spinal cord and even brain injuries. In Greece, chariot racing was a part of the Olympic games since early times, whereas in England, it became popular when King Henry II mated the Arab stallions with his mares, and started racing them.
However, as the days rolled by, people started betting money on the horses, and the sport is now a great gambling sport all over the world.
Depending on the age, rank, and the weight that the horses carry, horse racing can be divided into three main types. Reports show that 24 horses die at the American race tracks every week, on an average. And now that it is legal in most countries, there has been huge involvement due to the large amount of money raked in.
Types of Race Horses
A harness race is one where the horses pull a two-wheeled cart called sulky, in which the driver is seated. The mother and father of the horse (sire and dam) must be of the same breed, and must be of a standard breed that qualifies for racing. Handicap, open, novice, claiming, selling and maiden races are some other races that are run with minor changes in the rules, depending upon the age and experience of the horse, as well as the distance of the race.
Types of Racing
The dangers associated with horse racing have come into the limelight after the death of the Kentucky Derby winners Barbaro and Eight Belles in 2006 and 2008 respectively. Only ‘Standardbred’ horses are used in a harness race. A number of industrialists and business tycoons put their money in horse racing and the gambling associated with it. According to the Jockey’s Guild statistics, 128 riders have died in America on the racetracks since the year 1940. Measures like giving better financial aid to the injured jockeys and implementation of on-site medical facilities can be taken.
Training and Feeding
As far as the diet is concerned, the horse is given a protein-rich diet along with vitamin supplements. Depending on the movement of the horse, the race is divided into two different types viz., trotting and pacing. In trotting, the horse moves his legs diagonally, whereas in pacing, the horse moves laterally. The Arabian horses are famous for their performance in endurance races, while Quarter horses do very well in short distance sprinting.
Although all horses have a natural ability to run, they have to be trained to build up stamina for racing. It implies that every horse is good for a particular distance of racing. Though the distance varies for every race, a thoroughbred race is not more than 12 furlongs and not less than 5 furlongs. The training of a racing horse starts with short gallops for muscle build-up. The racetrack is usually an oval shape, the biggest being the Kentucky Derby in the United States.
Different types of horses are chosen for different races depending on the racing conditions. In Great Britain and Ireland, the official term used for this race is National Hunt Racing.
The National Thoroughbred Racing Association has stated that its Safety and Integrity Alliance will help implement all these measures. Although it was limited only to the upper class when it began, it is now popular amongst people from all classes and backgrounds. While some of them are intelligent and spirited, some are calm yet alert. The Roosevelt Raceway on Long Island New York is the largest harness racetrack.
The name of this race comes from the horse breed ‘Thoroughbred’, which was a result of crossbreeding between Arab and English horses in the 17th century. Be it any horse, when participating in a race, it is of utmost importance that it is a pure breed. The first type of bet brings in more great prize money, while the other two are relatively low, since their probability of occurrence is greater.
Not only for the horses, horse racing is life-threatening to the jockeys too. Staking money on a horse to either rank first or second is ‘Bet to Place’, and betting on a horse to turn up in the top three is ‘Bet to Show’. Once the horse is fit enough, it is made to run long distances and trained for longer hours. Experts say that laying softer tracks like polytracks, can be safer for the horses than the hard-mud surfaces. Although all horses are friendly with humans, they can turn vicious if treated badly. Well, we hope so too, otherwise, it won’t be too long for the reign of this beloved sport to come to an end.
. Its history dates back all the way to 1500 BC, and is said to have been originated in Egypt. The most famous Steeplechase racing is the Grand National which is held at the Aintree Racecourse in Liverpool every year. The California Senate passed a bill regarding the same issue following Barbaro’s death. Minerals like calcium, zinc and phosphorus, essential for the horse’s growth and development, are also included in the diet. These horses do not gallop like the Thoroughbreds, but trot at a fast pace. They are as follows:
Betting on race horses has been a favorite pastime for most wealthy men for many years. It is even more dangerous in case of fast-pace races, because the faster the horses run, more severe is the fall and the resulting injury. The obstacles used in the race are up to 1.15 meters in height, and the distance to be run over is about 3200 meters. Thoroughbred racing is of two types – flat racing and jump racing. A flat race has a varying distance, whereas a jump race has a distance of two miles to four and a half miles. Betting on a horse for ranking first in the race is known as ‘Bet to Win’. The horses are also supposed to carry weights ranging from 136 lbs to 150 lbs. As mentioned above, Thoroughbred horses are used in fast-pace races, whereas Standardbred are used in a harness race. The horses are then bred and trained accordingly.
Gambling and Betting
Betting is usually classified into three types, namely, bet to win, bet to place, and bet to show. They are given small meals at regular intervals which contain more of grain and less of hay or forage
Sure, using this approach leaves open the possibility of the line turning around and moving back against you, but as you will see in bit, betting as soon as an RLM qualifies has been profitable in every major North American sport such as the last two seasons, so if one line turns around, so be it. All of this will be fun to follow (not to mention profitable) when every sport except baseball are going on simultaneously during the winter months.
Thus, following reverse line movements is the same thing a following the smart money. Furthermore, they list the RLM records for many individual sportsbook, making it easy to spot which books this system is working at and which books it may be best to ignore.
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Now do the sharps win every single time? Absolutely not! However, they are right more often than they are wrong, so being on the same side as the sharps is a prudent strategy over the long run, and again, the best thing is that there in absolutely no conventional sports handicapping necessary..
By: Manny G
The highest two-year winning percentage using RLM from the top five books belongs to College Football, which went 480-341-10, 58.5 percent, +95.10 units. This would make Miami +6 the RLM play.
So what causes RLM when the aim of most sportsbooks is to get as close to balanced action on both sides as possible? The answer to this is quite simple: the sharp bettors; the one’s who give sports betting advice. This is where an important word of caution is in order though. The records quoted below are based on the bets being made at the triggering books, so beating the move by a half-point or a few cents now and then would actually make your record even better.
To back this up, our friends over at Prosportsonline.net have tracked the records for games where over 60 percent of the public has been on one side, yet there was reverse line movement of at least one full point from the opening number at the top sportsbooks in NFL, NCAAF, NBA and NCAAB. The huge problem with this is that the nfl line, ncaaf line or nhl line may have moved too much by that time, and all of the value has been sucked out of the unpopular side.
So what exactly is reverse line movement? RLM takes place when a large majority of bets are on one team, yet the line moves in the opposite direction. Quite a few RLM followers watch the moves until almost game time, and then bet accordingly. We tracked the top five books for each of the pointspread sports for the last two years, as as you can see, this strategy has been profitable in every sport. Another important recommendation is to use a slow moving (but reliable) sportsbook. Note that these records are for sides only and do not include totals.
The NFL sports betting is generally considered the toughest sport to beat, yet blindly following this method produced an exceptional 59.2 percent win rate last season, improving the two year record to 328-249-12, 56.8 percent, +59.06 units.
So what we recommend is to only use the top five each season for each individual sport (in terms of units won). This may enable you to get the stale more favorable sports betting line at the time the reverse line movement hits at the triggering Sportsbook. Keep in mind that NCAAB was the most liquid sport in terms of top-five sportbooks however, with not a single sportsbook making the top five both years. Keep a close eye on Canbet here, as that Australian sportsbook cracked the top five both years.
College Basketball sports betting was not too shabby either, with a two-year mark of 492-356-22, 58.0 percent, +91.96 units. Keep an eyes on the top five sportsbooks at Sports Insights though, as NCAAF sports betting has been very liquid in that regard, with only one sportsbook (believe it or not, Bodog) finishing in the top five both years.
NBA sports betting has the lowest two-year five-book RLM winning percentage among the 11/10 sports, but then again, every gambler in the world would kill to go 382-301-9, 55.9 percent, +48.90 units, and the 57.5 percent win rate this past season is nothing to sneeze at. Carib ruled the roost season at 93-66-9, 58.5 percent, +18.55 units after ABC held the penthouse spot in the 2007-08 season.
Also, games where over 60 percent of the public are on one side, yet there is reverse line movement of at least 10 cents on the Money Line from the opening number at the top five sportsbooks in MLB and NHL sports betting has also been profitable. It should be noted that many fewer MLB games have qualified so far this season (is the whole world using RLM now?), but smaller profits is still profit.Again, these records are for Money Lines only and do not include totals.Finally, NHL sports betting has picked up 148.49 units in two years, and unlike MLB, NHL had four sportsbooks out of the top five gain double-digit units this past season. To illustrate, let us say that San Diego Chargers open at -7 over the Miami Dolohins, and over 70 percent of the sports bets placed on the game are on San Diego. RLM takes place when more money/ sportsbook picks are bet by the small percentage of bettors that are on the unpopular side (the sharps) than is bet by the huge majority of players betting the popular side (the squares). Last year was a good RLM season for NFL sports betting (45-29, 60.8 percent, +11.91), but two sportsbooks that were in the top five in NFL RLM in both seasons.
The proper way to make a sports bet using reverse line movement is to place your bet as soon as there is an RLM of one full point (or 10 cents in MLB and NHL) off of the opening line. However, instead of the line rising as you might expect, it instead drops to Chargers -6
The trick is to open a coin shop and
You’re not looking to make big money here; just enough
to get started with your
gambling enterprise. Never bet higher than the Kelly criterion
would have you,
and remember to put all that furni you earn to good use!
Buy rights from a popular
Your money will simply not be well spent unless
you buy rights from a popular
in mind that the dealer advantage is over the long run. To the typical Habbo
player, it can be daunting to see how wealthy
some of the elite
players are. Step 4
DO NOT BET YOUR FREE HC
Betting in Habbo is typically a no-no. It begins with a new
deciding to buy coins. If you can’t, let the Kelly
your booth’s maximum bet.
Good places to find
friends are in various games and reality shows. I’m guessing you have one of those.Step 1
This how-to guide will give you the
tools needed to become rich on Habbo Hotel. In most cases, the casino wins when gambling. (See
my page for details on dealer advantage.) But, in order to get a
good start on your dealing (as we will discuss later), you will
probably want to start with 50 coins (known as a “gb” for
DO mooch more furni and
coins and trade up
How I got my starting capital (several
times, mind you) was by making rich friends
and getting gifts from
them. If a player claims to lose all their furni, I recommend giving them one of their bets back. Save up your coins
until you have enough to buy rights PLUS about 50 coins to start
These coins will be traded among
various Habbos until one of them ultimately decides to
them. This path is by no
means quick and easy, so do not expect instant results.
Get your first month of
Habbo Hotel is dominated by teenagers, and
teenagers are superficial. There’s bound to be something.
Check bobbavalues.com if you need a
price check on a rare you come across.
. I have posted
calculator for Habbo games here.
Dealing over the Kelly bet will make you more likely to lose it all
without any added benefit. (The Habbo Club sofa used to be the common
unit of exchange in the market. Many people
attend these have a decent reputation on the hotel and many
friends. Doing so
will grow your
reputation and give you more people to bet. Sometimes these gifts would be rares (right on!),
typically I got various norms. In addition
to most games and their
conditions leading the dealer to an
advantage, you will likely get scammed,
reducing your total
payback even more. A
myriad of bling and headdresses is bound to scare
from your booth.
Do not wear badges except the one for the
casino’s dealer group.
Doing this will also get you your first
Realize that the Habbo
economy is dominated by gambling.
Wealth is localized in
Habbo in quite a regular fashion. Getting to know others on Habbo is
to making coins. This formula was made to show
gamblers (if the odds are in their favor) how much they should bet
for maximum growth with minimum risk. For
instance, in a game with 10% dealer
advantage, for every 10 coins bet, the dealer
can expect to profit
1 coin. Getting to
know them can lead to them betting you, or at
least filling a casino you deal in
and making you appear friendly
With all these techniques, you should
see a steady growth of your purse. In
grow your wealth, you need to play games with a dealer advantage, such as 6, 13, 21, and pick-a-number.
dealer advantage is defined as the percent profit the dealer
makes on each bet.
Bet big = FAIL
to The Wizard
of Odds, the amount you should optimally be dealing for each hand
is determined by the Kelly criterion. It is clear that the richest of the rich on Habbo
not attain their wealth from buying coins, considering that spending
coins will get you only 10
gold bars. This translates into the pixel world.
You’re going to need Habbo Club to appear presentable and to be taken
seriously by the community (no one likes being called a bacon). As your reputation
grows, it may be tempting to do
super rare bets that you cannot
afford. This will give you a positive reputation, and they’ll likely bet it again and lose it anyway.
Hotel is a massively multiplayer online game where players create
avatars to visit various hotel rooms, participate in
activities, and personalize
their own page. As you get
consider the prospect of opening your own casino! You can sell
and establish yourself more formally as a well-known dealer
on Habbo Hotel.
Remember to deal responsibly. However, with the birth of the
marketplace, coins are now typically used.)
I also recommend playing the many games
that are hosted, but never pay the owner furni. There
will be plenty
of winning/losing streaks along the way, and your
total bankroll over time will be
a rollercoaster. Thus, it is
important to apportion bets appropriately to allow for
long-term growth, as discussed in the next step.
As a dealer, it’s important not to offer deals that are so large they take away your dealers’ advantage. If these coins
are wagered enough times, the casino will eventually own all of them.
Thus, the split between rich and poor grows.
Deal ONLY games that are, eventually,
guaranteed to make you rich.
Poker and multi have a 0%
dealer advantage, and are thus horrible games to deal. It’s ok to shop around for a
good deal on rights, but don’t suffice for a
Tips & Warnings
Things You Will NeedAll you’ll need is a computer with a working Internet connection. If
you’d like to get this right away, simply buy a few coins (you could
get 20 via text message for $4), or, if you’re a die-hard for not
spending any money, play games and make friends, get some normal
furni, and sell them for coins (described in-depth in step 5). For example, I
would be more apt to bet someone named
Blue than XxSweetie_012xX.
Whip out a dictionary and look up some words that have
taken yet. Here
are some tips for Habbo Club members:
Do not overdress. It’s best to expect
that the owner is a scammer, and you can’t get scammed if you don’t
give him or her anything.
Select a good username.
Habbos try to get bets in casinos, but fail to do so and wonder why.
with experience inherently trust more aged users, and an
indicator of age is the
uniqueness of a username. You may get discounts
even free) rights other casinos. Although dealing under the Kelly bet will
growth, it is certainly better to deal under than
Thus, you should regularly check
your bankroll and see what the optimal Kelly bet
and try to get bets that are that big. Using Habbo Hotel as a
friend-making service (as it was
intended) is one of the most
profitable moves you can make as a dealer. The
approximate dealer advantage of each game,
by simulation, is found here, the higher the better. You need rights in a casino that is regularly on the top
Grow your friend network
is important not to coop yourself up in the casino the whole time as
trying to gain profit
Steer clear of any organization that requires large fees or asks you to make your debt payments to them. If you are threatened by a loan shark or other lender or otherwise feel harassed, it’s important to call the police. They then arrange for you to pay them one monthly payment and distribute it to your debtors accordingly. Often, under-the-table lending is not covered under bankruptcy laws and is frequently coupled with very high interest rates. Most Medicine Hat bankruptcy lawyers will provide free consultations and let you know whether or not bankruptcy is a good option for you or not. With this method, you take out one loan, which is used to pay off your debts. This is different from a debt consolidation loan because the debt consolidation company does not loan you money. It’s important to weigh the pros and cons of debt consolidation before opting for it.
About Krista McDonald
Credit counseling organizations, such as Credit Counseling Canada, work with people who are in debt to help educate them in paying down their debts and managing their finances. From there, you make one payment each month. Not only do these groups help support their members through gambling recovery, but they also provide counseling and tips for getting debt under control. Stop by Bromwich & Smith, Inc.’s site where you can explore their educational resources.
Bankruptcy . In addition, support groups can also guide you to reputable outside sources, including debt consolidation or debt counseling companies, which can also help you with your financial planning. In this case, a number of resources exist to help you handle your gambling debt:
Regardless of where you turn to help you with your gambling debt, whether you opt to manage it yourself or go to a professional organization for assistance, it’s important to get help for the root cause of the problem–the gambling itself.
Debt consolidation is a way to combine your debt into one monthly payment as opposed to multiple payments each month. When you file bankruptcy, you agree to give up the majority of your assets to a trustee assigned to your case, who is turn sells them to settle your gambling debts. While you don’t lose everything in a bankruptcy, you could potentially lose your home (or at least a significant portion of the equity), your vehicles, and other possessions, depending on the Province in which you reside.
This should be the very last resort.
There are many gambling support groups, including Gamblers Anonymous and Recoveries Anonymous. A debt consolidation company can also work on your behalf to negotiate lower rates with creditors or to freeze interest rates.
Professional Help for Gambling Debt
If you are experiencing a number of financial warning signs, or if you no longer have money left over each month to pay the bills, your debt may truly be out of hand. Once you overcome your compulsive gambling, you will be better prepared to take control of your finances.
It’s also important to note that some gamblers incur gambling debts from disreputable lenders or loan sharks. If you opt for credit counseling, make sure you go with an organization that is accredited and non-for-profit.
Learn how Bankruptcy Trustee can help you today with filing bankruptcy in Calgary