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How to Get Out of Gambling Debt

How to Get Out of Gambling Debt

Gambling can be a relaxing and entertaining way to unwind after a long day. It can, however, become an issue for some people. According to the National Council on Problem Gambling, about two million people in the United States fulfill the criteria for pathological gambling. At the same time, another four to six million are considered problem gamblers.

Even if you’re not addicted to gambling, the truth is that gaming debts can swiftly mount – and endanger your financial well-being. If you’re drowning in debt, here are several options for getting out and getting gambling debt relief.

Ways to get out of gambling debt

The majority of the time, figuring out how to pay off gambling debt is similar to dealing with other ConsolidationNow types of debt.

Determine how much you owe.

After that, sum up how much you owe. It’s critical to know where you stand with this plan, just as with any other debt repayment strategy. List all of your debts, including total amounts owed, monthly payments, and interest rates. You may realize that you have a mix of personal loans, credit card debts, or other sorts of borrowing from loan sharks or bookies due to gambling in many circumstances.

Looking at a list of debts can be intimidating, but the reality is that you need to know what you’re up against before moving forward.

Do not add to your debt.

It’s critical to avoid accruing gaming debts as soon as possible – and seeking aid can assist you in doing so. Consult with friends and family for support during the process, or hire a professional to assist you in overcoming harmful behaviors. Both can assist in holding you accountable and encouraging you to quit accruing debt.

Consider substituting another hobby for gambling. Outdoor activities, movies, and learning a new hobby are all options for entertaining yourself and your loved ones. Fill your life with additional activities, especially ones you can do with family members, to help you cope while you seek expert assistance.

Admit to yourself that you have a problem.

Recognize that you may have an issue as the first step in moving forward. “Like alcohol, cigarettes, or other drugs of abuse, gambling can become an addiction,” according to the American Psychiatric Association (APA). Gambling conduct that causes injury, distress, or negative life consequences may indicate a gambling condition.”

According to the APA, if you feel compelled to lie to family, friends, or coworkers about how much you gamble, or if you feel made to keep wagering more money to come out ahead eventually, you may have a problem. Visit the National Council on Problem Gambling or look for a meeting of the support group Gamblers Anonymous to learn more about receiving treatment for a gambling problem.

If you cannot repay, look into debt relief options.

For other people, the debt may be too much to bear without a more comprehensive gambling debt relief strategy. Here are several debt relief options that may be able to assist you in getting out of your gambling debt and moving forward with your finances and life:

Bankruptcy

For the vast majority of people, bankruptcy is a last resort. However, if your gambling debt is so large that no other option appears viable, it may be worthwhile to file for chapter 7 or chapter 13 bankruptcy. Be warned, however, that in the case of gambling, your creditors may object to the action. Some attorneys advise waiting until your most recent gaming debt is at least 90 days old before filing.

Furthermore, your debt may not be discharged if the creditor can show that you had no intention of repaying the amount when you took it on. And, of course, bankruptcy has a long-term negative influence on your credit.

Work out a payment plan with your creditors: 

You can also approach your creditors and ask for their assistance in coming up with a payment plan. With a payment plan, you may be able to manage your monthly cash flow better, and in some situations, you may be able to get a reduced interest rate and pay off your debt faster.

Debt management

The National Foundation for Credit Counseling (NFCC) will assist you in identifying a debt management counselor in your area. A professional NFCC firm can assist you in developing a debt management plan and a payment schedule that matches your budget.

Debt settlement

Debt settlement allows you to pay a lower amount than the entire amount you owe on your debt. 

In some circumstances, this will necessitate a one-time payment. Some firms can assist you with debt settlement, but you must be cautious of scammers. Furthermore, debt settlement can harm your credit score. Before you proceed, carefully consider debt settlement firms.

Debt consolidation

If you have strong credit, you may be able to obtain an unsecured debt consolidation loan to assist you in repaying your gambling debt. This type of loan would allow you to consolidate all of your debts into one convenient payment, with a (hopefully) cheaper interest rate.

Gambling debt relief is handled similarly to any other unsecured debt, so it’s crucial to consider your alternatives and choose which scenario is most likely to work in your situation.

Think about how you’re going to receive the money.

It’s time to establish a plan to get out of debt now that you know where you stand. Raising funds for gambling debt relief may assist you in moving forward. Consider the following ideas for earning extra cash to help you pay off your debt:

Home equity line of credit: 

Most certainly, your home is your most precious asset. You may generally acquire a decent interest rate with a home equity loan. You do, however, run the risk of losing your home if you don’t make your payments.

Loans from a 401(k) plan: 

This may not be the best alternative because it pulls some of your money out of the market. 

If you have the financial means, you may be able to borrow money to pay off your gambling obligations. You reinvest the interest you pay in your 401(k) (k). However, keep in mind that you may face penalties and taxes if you don’t repay the loan on time.

Sell unused items

Think about selling some of the products you don’t use anymore. Local classifieds, Craigslist, and eBay are all viable options for selling. You can use this money to pay off your debts.

Look for a second job

You might need more money than you can get by cutting back on your spending and selling your belongings. A second job can help you make extra money to pay off your bills, and once you’re debt-free, you can stop working.

Reduce your monthly spending: 

Examine your earnings and outgoings. Do you have any places where you could save money on services or products? You can put some of that money toward paying off your gambling debt if you cut out the wasteful spending. 

Make use of the sharing economy: 

If acquiring a second job isn’t an option, the sharing economy may be able to help. You can use Airbnb to rent out a room in your house or drive Uber or Lyft on your own time. You have a little more flexibility in earning more money in the sharing economy.

Consider what steps will be most beneficial in reducing your debt and assisting you in getting back on your feet. You might be able to get out of your gambling debt faster if you use a combination of tactics.

Conclusion

Finally, your gambling debt is likely to be regarded similarly to any other debt. The first step toward recovery is recognizing that you may be a compulsive gambler and seeking help to stop gambling. After that, you can consider your possibilities for obtaining gambling debt relief.

“The key is not to be paralyzed by fear.” Now is the time to be proactive before higher rates show up on your credit card bills.

Credit card debt can be difficult to manage, even at the best of times, but increasingly high interest rates add to that challenge.

In June, the Federal Reserve announced a 0.75% increase in the federal funds rate – its largest increase in nearly 30 years. Increases in this rate tend to make borrowing more expensive, which means maintaining a balance on your credit card can become more expensive.

But by creating a plan to pay off your credit cards in the coming months, you can save money on interest. Whether you’re tackling debts one at a time or consolidating under a fixed rate product like a personal loan, there are strategies that can help.

Why You Should Prioritize Credit Card Debt

Most credit cards have a variable interest rate, which means the rate can go up and down depending on a few factors, including market conditions. While fixed-rate products like personal loans may not see as much of a change in interest rates when the federal funds rate rises, variable-rate products like credit cards likely will.

Higher rates on credit cards mean people will start paying more for a balance, at a time when household budgets are already stretched due to rising consumer costs, says property expert Jeff Arevalo. -be a financier at the non-profit credit counseling agency GreenPath.

It can also mean that progress on other important goals, like saving for a house, is being sidelined as more people focus on making ends meet. However, Arevalo says there is still plenty of time to get ahead of a rising rate environment.

“When [the Federal Reserve increases] interest rates, it can take a month or two for it to have a full impact on credit cards, so ideally consumers can be proactive,” he says. “If you know these changes are coming and you’re carrying these higher credit card balances, the key is not to be paralyzed by fear.”

See: Americans are feeling increasingly uncomfortable with their savings. Here’s why.

Tackling Your Credit Card Debt: First Steps

Brittany Davis, a certified financial counselor who works with people struggling with credit card debt, says the first steps to getting out of debt can be the hardest for clients.

First, you have to face the extent of your debt. Davis advises keeping track of your balance, minimum monthly payment, and interest rate for each credit card to get an overview of what you owe.

Then, she says, you can use an online tool, like a debt repayment calculator, to plug in the numbers and compare different strategies. Two popular winning strategies are the avalanche and snowball methods. With the avalanche method, you start with the debt with the highest interest rate and work your way down, which generally saves you time and money on interest. With the snowball method, you start with the smallest debt and progress gradually, which builds motivation.

Another advice from Davis: Stop using your credit cards for now, which means looking at what sites and apps they’re already linked to. While you might remember not using a credit card when you make a big purchase, it’s the small, recurring expenses like monthly subscriptions that surprise you.

“Money moves fast now,” Davis says. “It’s easy to forget where our maps are linked. If you’re really serious about not using a credit card when paying, be sure to switch those accounts to a debit card.

Also on MarketWatch: How to find strength and allies to confront stereotypes, discrimination and microaggressions

Other Strategies to Fight Credit Card Debt

If your debt feels too overwhelming to deal with the avalanche or snowball method, there are other strategies that can help lighten the load.

Negotiate with your creditors. It never hurts to phone your creditors and ask what they can do for you, says Davis, especially if you already have a relationship with them. Your bank or credit union may provide a lower rate, waive fees, or provide a higher credit limit, which may reduce your use of credit and help you access low-interest financing at home. ‘coming.

Beware of the effects of what you ask. For example, extending a higher credit limit may require high credit demand, which may temporarily knock a few points off your credit score.

Consolidate your debts. If you have high-interest debt on multiple credit cards, consolidating is a smart move, especially if you qualify for a lower rate than you’re getting on your current debt.

At 0% balance transfer card is one of the best ways to consolidate your debt whether you have good or excellent credit (690 or more FICO FICO,
+1.84%
score). These cards charge 0% interest for a promotional period – sometimes up to 21 months – so if you transfer your debts to the card and pay it off during this period, you won’t pay any interest. Some cards charge a balance transfer fee, usually 3% to 5% of the total transferred.

If you are not eligible for a balance transfer card, a debt consolidation loan is another good option. These loans are available to borrowers from all credit backgrounds, but they charge interest, which is fixed over the term of the loan, so you’ll make the same payment each month.

Don’t miss: It all started with a guitar and turned into a $20,000 debt: How I paid it off in 8 steps

Contact a credit counseling agency. Finally, you don’t have to go it alone. Arevalo recommends finding a reputable, nonprofit credit counseling agency that can help you budget, negotiate with creditors, or get into a debt management plan.

A debt management plan typically consolidates credit card debt at a lower interest rate and gives you a three to five year repayment plan. You may be charged a start-up fee and monthly fee for using this service.

More from NerdWallet

Jackie Veling writes for NerdWallet. Email: [email protected]

The Online Casino Software Market Will See Skyrocketing Growth

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Manufacturer’s detail
IGT
playtech
Micro game
Betconstruct
Softgamings
Betsys
BetRadar
SB Tech
Digitain
GammaStack
Each die
SB betting software
Novomatic

Product type segmentation
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Personal use
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Should I use a loan to pay off a credit card?

Back in the pandemic, people were taking advantage of ultra-low interest rates to repay record amounts of non-mortgage debt. This year, however, the Bank of England has raised interest rates in an effort to tame the specter of inflation.

Should borrowers take this opportunity to pay off their credit card debt by taking out a low-interest line of credit for a limited period?

While on the one hand paying lower interest on your debt seems like a good strategy, on the other it means taking on new debt to pay off the old one.

So what should you do? As always, the answer is not an outright “yes” or “no”, but rather “it depends”. Considerations include your own financial situation, the causes of debt accumulation, your ability to repay, and anticipated future income and expenses.

If you decide to consolidate your credit card debt and pay it off with a line of credit, here are some tips on how to approach it:

Think before acting

The logic of moving your debt from a higher interest rate product to a lower interest rate product is sound, but there are some things to keep in mind, says Anne Arbour, financial educator at the Credit Counseling Society, a registered non-profit service for consumers. .

“The most important of these is having and sticking to a disciplined plan to pay off that line of credit without taking on new debt in the meantime,” she says.

“That means not using the excuse of a lower interest rate to add to your line of credit borrowing beyond what you’ve used to pay off your credit card(s).”

To do this in a lasting way, one must understand why the debt arose in the first place. Was the decision to go into debt motivated by a one-time life event? If so, do you have the resources to direct you to the line of credit to clear it permanently within a specific time frame?

If it’s about living beyond your means and then relying on credit to make up the shortfall, “you risk increasing your indebtedness on an ongoing basis,” Arbor says.

Many resources are available to consumers to deepen their understanding and knowledge of their personal and unique financial situation. In the UK, Citizens Advice will give you many options, including information on debt relief orders and repayment plans.

Understanding Terms

Know and understand all terms and conditions of any product before signing on the dotted line. Ask lots of questions and make sure you understand the answers. Some questions include:

  • What is the interest rate?
  • What are the monthly payment requirements?
  • Is the lowest rate offered continuously or is it only available during a promotional period?
  • Are there administration fees?
  • What are the late penalties? Are there prepayment penalties?
  • What are the terms of the loan?

“All of the answers to these questions could easily negate the benefits of a low-interest product,” Arbor warns.

How should I manage my consolidated payments?

It is important to have a firm plan for paying off the line of credit before committing to it.

“Make sure you stick with this plan throughout, no matter how many flexible payment options you have,” Arbor says, noting that consumers should resist the temptation to treat LOC like a credit card and to make only the minimum payment required each month.

That would mean additional interest and a longer payback period, she adds.

Having a good understanding of your numbers and knowing how much extra you can afford to repay any outstanding amount on a line of credit can save you a lot of time and money.

“Use a budget construction tool and debt calculators can help you create that realistic and achievable plan,” Arbor notes.

Keep an eye on the risks of debt consolidation

One of the main risks is not understanding how the debt accrued in the first place. Was it unusual circumstances or poor financial decisions? Ask yourself the question: “Is debt consolidation a band-aid solution that leaves you vulnerable to accumulating more debt in the future? [and] Are there other options that can help you have a more permanent impact on your financial future? »

Another key risk is not knowing your true ability to make timely and ongoing payments, even at a lower interest rate, which could further damage your creditworthiness.

“There may be better options available to you, such as a debt management program, which can help you make permanent change by consolidating your debts into one monthly payment and negotiating with your creditors. to reduce or completely eliminate interest, so you pay off your principal amount even faster,” argues Arbor.

Borrowers must also weigh the risk of taking out more credit than they actually need. “Many financial institutions will offer a higher credit limit than you might need to pay off all of your existing debt, and that extra, lower rate cushion can be very tempting to use,” she warns.

Establish a repayment period

There are many online debt calculators that can help consumers determine how long it will take them to pay off their debts. Steadfast discipline goes a long way in repaying the loan on time.

“While a fixed loan will have a repayment deadline, most lines of credit are, like a credit card, open and renewable, allowing the consumer to repay and reborrow,” she says. “This is where understanding the terms and conditions of the specific product you are signing up for becomes critical.”

Failure to pay monthly installments by the due date can result in accrued interest, damaged credit rating, and reduced credit rating.

Also, avoid treating a line of credit like an ATM. It can be tempting to access funds when you are going through a weak moment. Once you’ve consolidated your debt, put those credit cards away until at least the debt slate has been cleared.

Don’t be “tempted by the shiny new zero balance on your credit card(s) to start building that debt up again,” Arbor warns.

If you’re still not sure where to start, consult a qualified professional who can help you develop a plan to settle your debt within your financial means.

Rising interest rates mean it’s time to eliminate your credit card debt

(NerdWallet) – Credit card debt can be difficult to manage, even at the best of times, but ever-higher interest rates are adding to that challenge.

The Federal Reserve announced a 0.75% increase in the federal funds rate – its biggest hike in nearly 30 years. Increases in this rate tend to make borrowing more expensive, which means maintaining a balance on your credit card can become more expensive.

But by creating a plan to pay off your credit cards in the coming months, you can save money on interest. Whether you’re tackling debts one at a time or consolidating under a fixed rate product like a personal loan, there are strategies that can help.

Why You Should Prioritize Credit Card Debt

Most credit cards have a variable interest rate, which means the rate can go up and down depending on a few factors, including market conditions. While fixed rate products like personal loans may not see as much change in interest rates when the fed funds rate rises, variable rate products like credit cards likely will.

Higher rates on credit cards mean people will start paying more for a balance, at a time when household budgets are already stretched due to rising consumer costs, says property expert Jeff Arevalo. -be a financier at the non-profit credit counseling agency GreenPath.

It can also mean that progress on other important goals, like saving for a house, is being sidelined as more people focus on making ends meet. However, Arevalo says there is still plenty of time to get ahead of a rising rate environment.

“When [the Federal Reserve increases] interest rates, it can take a month or two for it to have a full impact on credit cards, so ideally consumers can be proactive,” he says. “If you know these changes are coming and you’re carrying these higher credit card balances, the key is not to be paralyzed by fear.”

Tackling Your Credit Card Debt: First Steps

Brittany Davis, a certified financial counselor who works with people struggling with credit card debt, says the first steps to getting out of debt can be the hardest for clients.

First, you have to face the extent of your debt. Davis advises keeping track of your balance, minimum monthly payment, and interest rate for each credit card to get an overview of what you owe.

Then, she says, you can use an online tool, like a debt repayment calculator, to plug in the numbers and compare different strategies. Two popular winning strategies are the avalanche and snowball methods. With the avalanche method, you start with the debt with the highest interest rate and work your way down, which generally saves you time and money on interest. With the snowball method, you start with the smallest debt and progress gradually, which builds motivation.

Another advice from Davis: Stop using your credit cards for now, which means looking at what sites and apps they’re already linked to. While you might remember not using a credit card when you make a big purchase, it’s the small, recurring expenses like monthly subscriptions that surprise you.

“Money moves fast now,” Davis says. “It’s easy to forget where our maps are linked. If you’re really serious about not using a credit card when paying, be sure to switch those accounts to a debit card.

Other Strategies to Fight Credit Card Debt

If your debt feels too overwhelming to deal with the avalanche or snowball method, there are other strategies that can help lighten the load.

Negotiate with your creditors. It never hurts to phone your creditors and ask what they can do for you, says Davis, especially if you already have a relationship with them. Your bank or credit union may provide a lower rate, waive fees, or provide a higher credit limit, which may reduce your use of credit and help you access low-interest financing at home. ‘coming.

Beware of the effects of what you ask. For example, extending a higher credit limit may require high credit demand, which may temporarily knock a few points off your credit score.

Consolidate your debts. If you have high-interest debt on multiple credit cards, consolidating is a smart move, especially if you qualify for a lower rate than you’re getting on your current debt.

At 0% balance transfer card is one of the best ways to consolidate your debt if you have good or excellent credit (FICO score of 690 or higher). These cards charge 0% interest for a promotional period – sometimes up to 21 months – so if you transfer your debts to the card and pay it off during this period, you won’t pay any interest. Some cards charge a balance transfer fee, usually 3% to 5% of the total transferred.

If you are not eligible for a balance transfer card, a debt consolidation loan is another good option. These loans are available to borrowers from all credit backgrounds, but they charge interest, which is fixed over the term of the loan, so you’ll make the same payment each month.

Contact a credit counseling agency. Finally, you don’t have to go it alone. Arevalo recommends finding a reputable, nonprofit credit counseling agency that can help you budget, negotiate with creditors, or get into a debt management plan.

A debt management plan typically consolidates credit card debt at a lower interest rate and gives you a three to five year repayment plan. You may be charged a start-up fee and monthly fee for using this service.

Here’s How to Stay Debt Free After Credit Card Consolidation

Get the most out of your debt repayment plan by taking these simple financial steps after consolidating your credit card. (iStock)

Bundling variable rate credit cards into a fixed rate personal loan can help you pay off debt faster, lower your monthly payments and save money on interest charges over time. But while credit card consolidation is a popular way to get rid of debt, it can be tempting to raise your credit limit again after paying off balances.

“If you consolidate your credit cards and keep spending the same amount as before, you’ll end up in the vicious cycle of credit card debt,” said Ryan J. Marshall, a certified financial planner (CFP) based in Wyckoff, NJ.

Keep reading for tips on how to stay debt free after consolidating your credit card. And if you’re considering paying off your credit card debt with a personal loan, it’s important to seek the lowest interest rate possible for your financial situation. You can visit Credible to compare personal loan rates for free without affecting your credit score.

SHOULD I REFINANCE MY MORTGAGE TO CONSOLIDATE A DEBT?

Create a strong emergency fund

An emergency savings fund can help you avoid high-interest credit card debt when you’re faced with a job loss or an unexpected expense, like car maintenance. or home repairs. Zachary Bachner, CFP in Sterling Heights, Michigan, said your emergency savings should cover about three to six months of living expenses.

“Setting aside those savings will allow you to pay for any unexpected expenses and save you from having to charge the expense to a credit card or possibly a personal loan,” Bachner said.

Increasing your savings may seem like a difficult task if you’re already struggling to balance your budget, but it doesn’t have to be. Setting up automatic transfers from your paycheck to your emergency fund can help you boost your balance without even thinking about it.

“Ask your employer to send money directly to your savings account, so you don’t see there’s money to spend,” said Texas-based CFP Jordan Benold.

Another strategy is to put your emergency fund in a high-yield savings account that grows with time and interest. You can visit Credible to compare savings account rates from multiple banks at once.

PROS AND CONS OF BALANCE TRANSFER CREDIT CARDS

Track your spending habits with a budget

According to Marshall, debt consolidation is the easiest part of achieving a debt-free lifestyle – “The hardest part is the behavior of setting a budget and sticking to it.”

Creating a sustainable budget can give you valuable insight into managing your money, so you can identify areas where you might be overspending. You may find that you are spending more than you earn, which can be the cause of credit card debt.

“By limiting your spending, you can remove the need for debt on a monthly basis,” Bachner said. “It’s important to track every dollar of income and match it to an expense or savings goal.”

To get a better idea of ​​how you manage your finances, enter a few months of bank statements into a spreadsheet. There are also several free budgeting apps like Mint and Personal Capital that can help you track your purchases automatically by securely logging in through your bank.

HOW TO MAXIMIZE YOUR CREDIT CARD REWARDS

Look for ways to increase your income

Inflation has been rising at a record annual rate in 2022 so far, which means the money you earn loses purchasing power over time, according to Greg Giardino, a CFP in Tarrytown, NY. reducing your expenses may not be enough to help you offset the impact of rising consumer prices, it may be necessary to increase your monthly income to avoid taking on more credit card debt.

However, it is not practical for all breadwinners to take on a second or third job. Less time spent at home can mean higher child care costs or other additional expenses. Before you start looking for side gigs in your local classifieds section, start by asking for a raise at your current job. When negotiating for a higher salary, do your research to see how your earnings compare to others in your industry to use as a benchmark.

In some cases, you might consider applying for a higher paying job. A recent Pew Research Center survey found that many American workers who left their jobs in 2021 were able to find new jobs with higher pay. By changing careers, you may be able to earn enough money to fund a debt-free life.

If you’re struggling with higher credit card balances due to inflation, you might consider debt consolidation with a personal loan at a lower interest rate. You can learn more about credit card consolidation by contacting a knowledgeable expert from Credible.

DEFAULT STUDENT LOAN BORROWERS WILL RECEIVE ‘FRESH START’ UPON END OF FORGIVENESS

You have a financial question, but you don’t know who to contact? Email the Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.

Rising interest rates mean it’s time to eliminate credit card debt

Credit card debt can be difficult to manage, even at the best of times, but increasingly high interest rates add to that challenge.

On Wednesday, the Federal Reserve announced a 0.75% increase in the federal funds rate – its largest increase in nearly 30 years. Increases in this rate tend to make borrowing more expensive, which means maintaining a balance on your credit card can become more expensive.

But by creating a plan to pay off your credit cards in the coming months, you can save money on interest. Whether you’re tackling debts one at a time or consolidating under a fixed rate product like a personal loan, there are strategies that can help.

Why You Should Prioritize Credit Card Debt

Most credit cards have a variable interest rate, which means the rate can go up and down depending on a few factors, including market conditions. While fixed rate products like personal loans may not see as much change in interest rates when the fed funds rate rises, variable rate products like credit cards likely will.

Higher rates on credit cards mean people will start paying more for a balance, at a time when household budgets are already stretched due to rising consumer costs, says property expert Jeff Arevalo. -be a financier at the non-profit credit counseling agency GreenPath.

It can also mean that progress on other important goals, like saving for a house, is being sidelined as more people focus on making ends meet. However, Arevalo says there is still plenty of time to get ahead of a rising rate environment.

“When [the Federal Reserve increases] interest rates, it can take a month or two for it to have a full impact on credit cards, so ideally consumers can be proactive,” he says. “If you know these changes are coming and you’re carrying these higher credit card balances, the key is not to be paralyzed by fear.”

Tackling Your Credit Card Debt: First Steps

Brittany Davis, a certified financial counselor who works with people struggling with credit card debt, says the first steps to getting out of debt can be the hardest for clients.

First, you have to face the extent of your debt. Davis advises keeping track of your balance, minimum monthly payment, and interest rate for each credit card to get an overview of what you owe.

Then, she says, you can use an online tool, like a debt repayment calculator, to plug in the numbers and compare different strategies. Two popular winning strategies are the avalanche and snowball methods. With the avalanche method, you start with the debt with the highest interest rate and work your way down, which generally saves you time and money on interest. With the snowball method, you start with the smallest debt and progress gradually, which builds motivation.

Another advice from Davis: Stop using your credit cards for now, which means looking at what sites and apps they’re already linked to. While you may remember not to use a credit card when you make a big purchase, it’s the small, recurring expenses like monthly subscriptions that sneak up on you.

“Money moves fast now,” Davis says. “It’s easy to forget where our maps are linked. If you’re really serious about not using a credit card when paying, be sure to switch those accounts to a debit card.

Other Strategies to Fight Credit Card Debt

If your debt feels too overwhelming to deal with the avalanche or snowball method, there are other strategies that can help lighten the load.

Negotiate with your creditors. It never hurts to phone your creditors and ask what they can do for you, Davis says, especially if you already have a relationship with them. Your bank or credit union may provide a lower rate, waive fees, or provide a higher credit limit, which may reduce your use of credit and help you access low-interest financing at home. ‘coming.

Beware of the effects of what you ask. For example, extending a higher credit limit may require high credit demand, which may temporarily knock a few points off your credit score.

Consolidate your debts. If you have high-interest debt on multiple credit cards, consolidating is a smart move, especially if you qualify for a lower rate than you’re getting on your current debt.

At 0% balance transfer card is one of the best ways to consolidate your debt if you have good or excellent credit (FICO score of 690 or higher). These cards charge 0% interest for a promotional period – sometimes up to 21 months – so if you transfer your debts to the card and pay it off during this period, you won’t pay any interest. Some cards charge a balance transfer fee, usually 3% to 5% of the total transferred.

If you are not eligible for a balance transfer card, a debt consolidation loan is another good option. These loans are available to borrowers from all credit backgrounds, but they charge interest, which is fixed over the term of the loan, so you’ll make the same payment each month.

Contact a credit counseling agency. Finally, you don’t have to go it alone. Arevalo recommends finding a reputable, nonprofit credit counseling agency that can help you budget, negotiate with creditors, or get into a debt management plan.

A debt management plan typically consolidates credit card debt at a lower interest rate and gives you a three to five year repayment plan. You may incur a start-up fee and monthly fee for using this service.

Using credit card points at checkout just got too easy

Jravel and cash back are the most touted ways to redeem your credit card rewardsbut over the past decade, another redemption option has emerged: the ability to pay with points at select merchants.

It’s quite an attractive feature. You plan to shell out the cash for the purchase anyway, but you can use points to knock a few dollars off the price with minimal effort. At the height of the pandemic, when travel points sat idle, it was a way to get some short-term value out of them.

When shopping on Amazon, for example, you can link your rewards program account to your Amazon account, and in the future you will have the option to redeem points at checkout. PayPal also allows you to redeem points from cards you’ve linked to your PayPal account, once you’ve enrolled those cards in its Payments with Rewards feature.

It’s part of an ongoing effort to create a frictionless checkout experience, which is a fancy way of saying “easier to spend money.” In an August 2021 survey by The Wise Marketer, a newsletter for marketers, 47% of respondents said “consumers’ desire to maximize convenience and reduce friction” was the most important trend. affecting the credit card loyalty market.

But just because paying with points is easy doesn’t mean it’s a good idea. Credit cards already make it easier to spend. “Neural Mechanisms of Credit Card Spending,” a February 2021 MIT study, found that with “new payment methods” (currently credit cards, but other payment methods like digital wallets at future), you are less constrained in your spending compared to when you use cash. Add to that the ability to throw points towards your purchase to reduce the cost, and you’ll get that shopping dopamine hit, but there’s a big reason to avoid doing so.

Paying with points reduces the value of your rewards

When you redeem statement credit for your points from a cash back card or redeem travel card points for a vacation booking, you’re making the most of those rewards. Expect points to be made about 1 to 1.5 cents each, depending on which card you carry.

But if you pay with points at the cashier, you potentially lose, depending on the cards you use. Here’s why:

  • Your points may be worth less: They can be worth as little as half the price when redeemed for purchases. However, there are a few exceptions where points are worth 1 cent each.
  • You’ll eat into your travel rewards budget: If you were hoping to cash in travel rewards to get a deep discount on your next trip, snacking on your rewards for purchases could rob you of the cash you need to book reward travel.

Here’s a look at what a point is worth when redeemed at checkout at two popular merchants:

Credit card reward program

Points value on Amazon (in cents)

Points value on PayPal (in cents)

Amazon Cards

1

N / A

American Express Membership Rewards

0.7

0.7

Capital One Cash Back

1

1

Capital One miles

0.8

0.8

Chase Ultimate Rewards®

0.8

0.8

Citi Thank You Rewards

0.8

0.8

Discover

1

1

Hilton Honors

0.2

N / A

PayPal Cashback Mastercard®

N / A

1

PayPal Supplements Mastercard®

N / A

0.83

Wells Fargo

N / A

1

How to avoid accidentally paying with points

You’ll encounter a lot of on-screen text at checkout, some of it in small print, so you might be paying with points without intending to. If you share your credit card and online shopping accounts with other members of your household, they can use points for their purchases without you knowing (until you try to book reward flights and find out you don’t have enough points to do it, that is).

The ability to save multiple cards to your online accounts is handy, but if you want to avoid accidentally using points, you’ll need to shop a little more carefully. When you add cards to your account, do not link the rewards accounts of these cards so that the option to pay with points does not exist.

If you want your rewards accounts linked but don’t want to use your points too often, pay close attention to the payment method selected at checkout. If there is a checkbox to pay with points, make sure it is unchecked. Even though checkout will take a few moments longer, it’s time well spent making sure you know exactly how you’re paying for a purchase. Discuss this with other family members who use the same cards and accounts so everyone agrees.

Still want to pay with points? Do it thoughtfully

Paying with points results in lower point values ​​in many cases, but that doesn’t mean using points this way is bad. If this is how you prefer to cash in your rewards, you’re reaping the benefits in a way you care about. Here are some more optimal ways to pay with points:

  • Budget points like you budget money: Keep track of your points on a spreadsheet, especially if you have multiple credit cards from different issuers. You can budget for points by mentally setting aside an amount you need for, say, an upcoming vacation. The remaining points would be free to use for other redemptions, such as paying with points.
  • Use these last points: When you close a credit card, you often lose the remaining rewards. Paying with points might be the best way to use up a small amount of points before canceling a card.
  • Use cards that offer a higher value per point: Some cards, like Discover cards and Capital One cash back cards, allow you to redeem points at checkout for a value of 1 cent each.

More from NerdWallet

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Take control of your credit card debt

Revolving credit, which includes credit cards, jumped 21.4% in March, according to the Federal Reserve. But at the same time that credit card debt is on the rise, rising interest rates have made maintaining a balance more expensive.

After two years of pandemic restrictions, it’s easy to understand the urge to spend more on experiences and make up for lost time. Some of us pay off our credit cards in full every month and never have a balance. However, this is not the case for many millennials. If you’re in credit card debt, consider these strategies to eliminate or reduce what you owe before it’s too late.

Take stock of your debt

If you have balances on multiple credit cards, make a list showing how much you owe on each card, the interest rate, and the minimum monthly payment for each. A spreadsheet offers a convenient way to update your progress, but pen and paper work just as well.

If you have a good credit rating, a balance transfer could help you get out of debt. Many banks offer new customers balance transfer cards with an introductory 0% APR for a limited time, 12 to 21 months, depending on the card. To avoid interest, pay the balance before the introductory rate expires. Note that if you cancel your old card and the balance transfer card has a lower credit limit, it could affect your credit utilization ratio – the amount of your card’s outstanding balances reflected as a percentage of your card’s limits – which could reduce your credit. score, says Gerri Detweiler, author of The Ultimate Credit Handbook.

This strategy only works if you resist the temptation to use the balance transfer card to make new purchases, says Beverly Harzog, credit expert and author of Confessions of a credit addict. You want to use the card to get out of debt, not add more, she says.

If your credit score is not high enough to meet the criteria for a 0% introductory rate on a balance transfer card, you may qualify for a card with a lower introductory APR than your current card, said Harzog. Another option is a debt consolidation loan from a bank or credit union with a lower rate than the rate you pay on your high-interest credit cards.

Winning Strategies

When you have balances on multiple credit cards, there are three approaches you can take to tackle the debt. The first is the “avalanche” approach. Start with your cards that have the highest interest rates and highest balances. Make minimum payments on low-interest cards while devoting the rest of available funds to high-interest cards.

Although the avalanche approach makes the most mathematical sense, some people choose the “snowball” approach, paying off low-balance debt first. Paying off your low-balance cards can give you the motivation you need to pay off all your debt, even if it costs you more in interest.

Finally, there is the “blizzard” approach, in which you start with the snowball and move on to the avalanche. Pay off a low balance card first so you have a hit under your belt, then move on to ones with higher rates.

Paying off your balances will make it difficult to save. But try to set aside enough money in an emergency fund to cover three months of expenses. When you have paid off your debts, you can increase your savings so that you are prepared for unexpected expenses, which will reduce the risk of falling back into debt.

Las Vegans Lean on Credit Card Cycle as Inflation and Interest Rates Rise

LAS VEGAS (KLAS) – As inflation continues to make things more expensive, many are turning to credit cards to make ends meet, so 8 News Now asked a financial expert for advice for those struggling to reduce their monthly payments.

A study by “Self,” said in August 2021, Nevada had the highest credit card debt in the nation, with each person carrying an average balance of $3,200.

Jill Shlesinger is one such person, caught in what she calls a “vicious cycle”.

“I just kind of feel like I’m in a debt hole,” she explained.

She opened her business, ‘Starburst Parlor Keto Bakery’ late last year, and because she was unable to secure a business loan at the time, Shlesinger was forced to use cards personal credit to get things started.

Now she’s running out of crippling payments every month.
“I just think ‘oh, this credit card is due, it’s a minimum of 420,'” Shlesinger said.

In May, the Federal Reserve Bank of New York said the United States had $841 billion in credit card debt.

Mahesh Odhrani, financial adviser and president of Strategic Wealth Design, said with rampant inflation and the Federal Reserve raising interest rates by 0.75% on Wednesday, things could get much tougher.

“They may not have saved a fund for rainy days,” Odhrani said. “Or have a savings account they can dip into, so where do they go? To credit cards.

However, he said there are options for bouncing back:

  • You can transfer your balance to a zero-rate or low-interest card
  • If you own a home, transfer your credit card balance to a low-interest home equity line of credit.
  • Call your bank or credit card company and try to negotiate a lower rate
  • Contact a credit counselor for financial advice
  • Go through a debt consolidation company, but make sure the plan focuses on reducing the amount owed without missing payments and keeping your credit score intact

“It’s almost like spinning in a wheel,” Shlesinger explained. “That every time I think I’m going to move on, I have another bill coming.”

As for Shlesinger, she told 8 News Now that she does her best to stay afloat by paying the monthly sales, while serving the community she knows and loves.

“Apart from like a dream or winning the lottery,” Shlesinger concluded. “There is no end.”

The market for online casinos and gaming software is booming around the world

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According to research experts from Qurate Research, “Global Online casino and gaming software Market 2022 Insights, Size, Sharing, Growth, Opportunities, Emerging Trends, Forecast to 2028.” The study is an anthology of in-depth research studies on many aspects of the global online casino and gaming software industry . It is an admirable effort to offer a true and transparent picture of the current and future conditions of the global online casino and gaming software market, based on credible facts and exceptionally accurate data.

“Global Online Casino and Gaming Software Market Overviews, Size, Share, Growth, Opportunities, Emerging Trends, Forecast to 2028,” according to a report by Qurate Research. Several in-depth research studies on various facets of the global online casino and gaming software market are included in the report. It is a commendable effort to present a true and transparent view of the current and future situation of the global online casino and gaming software market, based on reliable facts and extraordinarily accurate statistics.

The main players profiled in this report are:

IGT
playtech
Micro game
Betconstruct
Softgamings
Betsys
BetRadar
SB Tech
Digitain
GammaStack
Each matrix
SB betting software
Novomatic

Key Segmentation of the Online Casino and Gaming Software Market:

Segmentation of product types

On the site
Cloud-based

Application segmentation

computer
Mobile phones

Scope of Online Casino and Gaming Software Market Report:
The research examines the major players of the global Online Casino and Gaming Software Market in detail, focusing on their market share, gross margin, net profit, sales, product portfolio, new applications, recent developments and other factors. It also sheds light on the vendor landscape, helping gamers to forecast future competitive moves in the global online casino and gaming software industry.

This study estimates the market size in terms of value (million USD) and volume (million units) (K units). Both top-down and bottom-up techniques have been used to estimate and validate the market size of the Online Casino and Gaming Software market, as well as the size of various other dependent submarkets in the overall market. To identify significant players in the market, secondary research was used, and both primary and secondary research were used to determine their market shares. All breakdowns and percentage breakdowns have been calculated using secondary sources and verified sources.

The updated market report is available at the link below:@ https://www.qurateresearch.com/report/buy/ICT/global-online-casino-and-game-software-market/QBI-BIS-ICT-1106711/

The COVID-19 pandemic has had a major influence on the online casino and gaming software industry. In the second quarter, the sector showed signs of recovery around the world, but the long-term recovery remains a concern as COVID-19 cases continue to rise, especially in Asian countries like India. series of setbacks and surprises. As a result of the outbreak, many shifts in buyer behavior and thinking have occurred. As a result, the industry is even more stressed. As a result, market expansion should be limited.

Online Casinos and Gaming Software Market Region Majorly Focusing On:
— European casino and online gaming software market (Austria, France, Finland, Switzerland, Italy, Germany, Netherlands, Poland, Russia, Spain, Sweden, Turkey, United Kingdom),
– Asia-Pacific and Australia (China, South Korea, Thailand, India, Vietnam, Malaysia, Indonesia and Japan) online casino and gaming software market,
— The online casino and gaming software market in the Middle East and Africa (Saudi Arabia, South Africa, Egypt, Morocco and Nigeria),
— Latin America and South America online casino and gaming software market (Brazil and Argentina), — ​​North America online casino and gaming software market (Canada, Mexico and United States) United)

A sample free report from Qurate Research includes: FREE PDF SAMPLE
1) Introduction, Overview and In-Depth Industry Analysis for 2021 Updated Report
2) Impact analysis of the COVID-19 outbreak
3) A research report of more than 205 pages
4) Upon request, provide chapter-by-chapter assistance.
5) Updated regional analysis for 2021 with graphical representation of size, share and trends
6) Includes an updated list of tables and figures.
7) The report has been updated to include business strategies, sales volume, and revenue analysis of key market players.
8) Methodology of facts and factors for research

The main questions answered by this report are:
• How do I get a free copy of the Online Casino and Gaming Software Market Report Sample and Company Profiles?
• What are the main causes of the expansion of the market for online casinos and gaming software?
• What is the market size and growth rate of the online casino and gaming software market?
• Who are the main companies in the online casino and gaming software market?
• What market segments does the online casino and gaming software market cover?

Contents:

Chapter 1 Online Casino and Gaming Software Market Introduction
Chapter 2 Executive
2.1 3600 Online Casino and Gaming Software Market Synopsis, 2018-2028
2.1.1 Industry trends
2.1.2 Material trends
2.1.3 Product trends
2.1.4 Operating trends
2.1.5 Distribution channel trends
2.1.6 Regional trends

Chapter 3 Online Casino and Gaming Software Market Overview
3.1 Industry Segmentation
3.2 Industry Ecosystem Analysis
3.2.1 Component Suppliers
3.2.2 Producers
3.2.3 Profit Margin Analysis
3.2.4 Distribution Channel Analysis
3.2.5 Impact of COVID-19 on the market value chain
3.2.6 Vendor Analysis
3.3 Technology landscape
3.4 Regulatory landscape
3.4.1 North America
3.4.2 Europe
3.4.3 Asia-Pacific
3.4.4 Latin America
3.4.5 Middle East and Africa
3.5 Price Analysis (including impact of COVID-19)
3.5.1 By region
3.5.1.1 North America
3.5.1.2 Europe
3.5.1.3 Asia-Pacific
3.5.1.4 Latin America
3.5.1.5 Middle East and Africa
3.5.2 Cost structure analysis
3.6 Industry impact forces
3.6.1 Drivers of growth
3.6.2 Industry Disadvantages and Challenges
3.6.2.1 Focus on weight reduction
3.7 Innovation & sustainability
3.8 Growth Potential Analysis, 2020
3.9 Competitive landscape, 2020
3.9.1 Company Market Share
3.9.2 Main players
3.9.3 Strategy Dashboard
3.10 Porter’s analysis
3.11 PILON analysis

Chapter 4 Disclaimer

A question? Inquire here for discount or report customization

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*Thank you for reading this article ; you can also get individual chapter wise section or region wise report version like North America, Europe or Asia.




Online Gaming Software Market Size and Forecast to 2028 | Igt, Playtech, Microgaming, Betconstruct, Softgamings – Designer Women

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There “Online Gaming Software Market » the research examines the market estimates and forecasts in great detail. It also facilitates the execution of these results by demonstrating tangible benefits to stakeholders and business leaders. each company must anticipate the use of its product in the longer term. Given this level of uncertainty caused by the COVID-19 situation, this analysis is essential to better understand previous disruptions and increase preparedness for successive stages of decision-making. the most recent study attempts to alter the advanced market for business executives by providing strategic insights and showing resilience under sudden conditions. The information will help all potential readers to distinguish the necessary trading bottlenecks.

The main purpose of the report is to educate business owners and help them make a wise investment in the market. The study highlights regional and sub-regional perspectives with corresponding factual and statistical analysis. The report includes the latest first-hand data, which is obtained from the company’s website, annual reports, industry-recommended journals, and paid resources. Online Gaming Software report will help business owners understand the current market trend and take profitable decisions.

Profiled Market Leaders:

  • Igt
  • playtech
  • Micro game
  • Betconstruct
  • Softgamings
  • Betsys
  • betradar
  • Sbtech
  • Digitain
  • Gamma Stack
  • Each matrix
  • Sb betting software
  • Novomatic

Report Analysis and Segments:

Online gaming software is segmented on the basis of product type, application, and geography. All segments of Online Gaming Software are carefully analyzed with respect to market share, CAGR, value and volume growth, and other important factors. We have also provided Porter and PESTLE’s five forces analysis for further study of online gambling software. The report also outlines recent developments undertaken by major market players, including new product launches, partnerships, mergers, acquisitions, and other latest developments.

Based on Product Type, Online Gaming Software is segmented into –

Based on Application, Online Gambling Software is segmented into –

  • Online bookmakers
  • Game operators

The report provides information about the following pointers:

1️⃣ Market Penetration: Comprehensive information on the product portfolios of major online gaming software players.

2️⃣ Product Development/Innovation: Detailed information on upcoming technologies, R&D activities and product launches in the market.

3️⃣ Competitive Assessment: In-depth assessment of market strategies and geographic and business segments of major market players.

4️⃣ Market development: comprehensive information on emerging markets. This report analyzes the market for various segments across geographies.

5️⃣ Market Diversification: Comprehensive information on new products, untapped geographies, recent developments and investments in online gaming software.

Schedule a consultation call with our industry analysts/experts to find a solution for your business @ https://www.marketresearchintellect.com/ask-for-discount/?rid=198209

Various analyzes covered:

The regional assessment of the online gaming software was carried out in six key regions, namely North America, Asia-Pacific, Europe, Latin America, and the Middle East and Africa. Moreover, the report also provides in-depth information about ongoing research and development activities, revenue, innovative services, real demand and supply status, and pricing strategy. In addition to that, this report also provides details of consumption figures, export/import supply and gross margin by region. In short, this report provides a valuable source of advice and clear direction for the trader and the party interested in the market.

North America (US, Canada)
Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, Others)
Europe (Germany, France, United Kingdom, Italy, Spain, Russia, Others)
Latin America (Brazil, Mexico, Others)
The Middle East and Africa

Frequently Asked Questions:

  • What are the main drivers of global online gambling software?
  • What are the main challenges of global online gaming software?
  • Who are the key market players?
  • What has been the effect of the COVID-19 pandemic on global online gaming software?
  • What are the latest market trends?
  • What is the compound annual growth rate of the global online gaming software?

About Us: Market Research Intellect

Market Research Intellect provides syndicated and customized research reports to clients across various industries and organizations with the aim of providing functional expertise. We provide reports for all industries including Energy, Technology, Manufacturing & Construction, Chemicals & Materials, Food & Beverage, and more. These reports provide an in-depth study of the market with industry analysis, market value of regions and countries, and industry-relevant trends.

Contact us:
Mr. Steven Fernandes
Market research intelligence
New Jersey (USA)
Tel: +1-650-781-4080

Email: [email protected]

Website: –https://www.marketresearchintellect.com/

Consolidating Credit Card Debt Can Dramatically Boost Credit Scores, Study Finds

(c) Vasela – Getty Images

A new study suggests that consolidating credit card debt can be a smart move that can pay off in several ways. In addition to the belief that paying bills on time can improve credit scores, LendingTree’s latest analysis yes and no of credit card consolidation found that those who consolidated at least $5,000 in credit card debt found their credit score increased by an average of 38 points in as little as one month.

In fact, the study concludes that the more a person pays off credit card debt with a personal loan, the more their credit score increases. Let’s say you pay off $10,000 or more in credit card debt. In this case, credit ratings increase by an average of 49 points. The reverse is also true. The study found that by taking out a loan to pay off between $1,000 and $5,000 in credit card debt, borrowers earned an additional 17 points, on average, during a single billing cycle.

While taking out a personal loan to pay off credit card debt might seem like a bit of stealing from Peter to pay Paul, Matt Schulz, chief credit analyst at LendingTree, says it’s definitely worth it.

“A higher credit score is a big deal because there are few things in life that are more expensive than lousy credit,” Schulz said. “It can cost you thousands of dollars in the form of higher loan interest rates, higher insurance premiums and more. It may even prevent you from getting that new apartment you’re hoping to rent.

But Schulz warned that while consolidating credit card debt will likely cause someone’s credit score to rise, there are more benefits to eliminating the debt altogether.

“Eliminating that debt can’t be anything less than life changing,” Schulz said. “It can free you up to build an emergency fund, save more for retirement, work to buy a house, or pay for your kids’ college education. It’s a big, big problem.

Where to Get Consolidation Loans and What to Consider

Schulz said for consumers with the highest incomes and best credit scores, getting a personal loan from a bank is the best bet. “These are probably people who have significant experience with lenders and at least a few other pieces of that credit report. These people have a lot of other data points on their credit report that influence their credit score, so a change, even a big one like paying off all that debt, may not have as much of an impact for them as it does for someone else. one more recent. credit,” he said.

ConsumerAffairs investment advisor Barbara Friedberg agreed. She said the easiest way to get a debt consolidation loan is through a bank or other debt consolidation lending institution.

Friedberg said if consumers can’t — or won’t — go the banking route, there are three other ways to get out of credit card debt.

0% Balance Transfer Card: Balance transfer credit cards allow consumers to consolidate debt by transferring debt from multiple credit cards to a single balance transfer card. Friedberg notes that some of these cards include 0% interest offers as well as sign-up bonuses and cash back.

Home Equity Loan: “Homeowners can withdraw an amount of money based on the equity in their home, determined by the amount of money paid on the mortgage compared to the value of the home,” Friedberg said, adding that a loan on home equity can be contracted. to make home improvements, pay large bills or settle other debts.

401(k) loan: A unique approach offered by Friedberg is for people who have set up a 401(k) through their employer. For these people, they can borrow from this account. “Because a 401(k) is a personal retirement savings account, it’s essentially a loan from yourself. Because you are withdrawing money from an account and not borrowing new funds, a 401(k) loan will have no impact on your credit score. 401(k) loans generally require full repayment within five years,” she said.

This 401(k) loan idea comes with a caveat, however. Friedberg said that most likely there will be a little interest added to a person’s repayment plan, and it may also hurt their overall retirement savings plan. For those whose jobs may be precarious, Friedberg raised his warning a bit higher. “If you lose your job, you will have to pay off the 401(k) loan when your federal income taxes are due for the year,” she said.

How online bingo is regulated in the UK

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In the UK, online bingo is a popular pastime. Millions of people enjoy playing this game every year, and the industry is growing rapidly. However, certain regulations are in place to ensure player protection.

In this blog post, we will discuss online bingo regulations in the UK and what players can expect from this type of gaming experience.

Let’s start with a look at the overall history of online bingo in the UK.

Photo by Alejandro Garay on Unsplash

UK Online Bingo: The History

Bingo has been a popular game in the UK for many years. It was first introduced to the country in the 1500s, and it has been played in various forms ever since. The modern bingo game we know today began to take shape in the early 20th century in the United States, where it was known as “beano”. The game made its way to the UK in the 1920s, and it quickly became popular.

Bingo halls started popping up all over the country and the game was soon played by millions of people. Bingo’s popularity continued to grow in the UK, and it eventually made its way online.

The first online bingo games appeared in the late 1990s and their popularity has grown steadily ever since. Online bingo is now a hugely popular pastime for millions of people around the world, with some of the most successful UK licensed bingo sites.

So, that’s a brief history of online bingo in the UK. Now let’s see how this type of gambling is regulated.

The growth of online games

The internet has changed everything when it comes to gaming. Suddenly, gamers had access to a whole world of gaming opportunities at their fingertips. One of the most popular genres was online bingo.

The first online bingo sites started popping up in the late 1990s, and the industry has been growing ever since. In 2009 there were over 200 online bingo sites operating in the UK. This number has increased dramatically in recent years as more and more people discover the joys of playing bingo online.

Other popular areas of online gambling include casino games, sports betting and poker.

How is online bingo regulated?

Now that we’ve seen how online bingo came to be, let’s take a look at how it’s regulated. The Gambling Commission is responsible for regulating all forms of gambling in the UK, including online bingo.

All operators wishing to offer online bingo services to UK players must obtain a license from the Gambling Commission. This ensures that they meet all the necessary requirements and provide a fair and safe gaming experience for their players.

To obtain a license, operators must meet a number of criteria. For example, they must have appropriate systems and controls in place to prevent crime and protect vulnerable people. They must also ensure that players have access to responsible gambling information.

Operators wishing to offer online bingo services to UK players must also adhere to a number of rules and regulations. These include ensuring players are over 18, preventing underage players from playing and protecting player funds.

Players can rest assured that when playing bingo online with a licensed operator, they are protected by these regulations. They can be sure that they are playing on a fair and safe gambling site.

The future of online bingo

Online bingo is a popular pastime for millions of people in the UK. It is regulated by the Gaming Commission to ensure player protection. The industry is growing rapidly and showing no signs of slowing down as the entire online gaming sector is booming.

We expect to see more innovation in the online bingo space in the years to come, with new features and offers introduced to keep players entertained. The industry is constantly changing, and we can’t wait to see what the future holds for online bingo!

Summary

In this blog post, we explained how online bingo is regulated in the UK. We looked at the history of the game and how it gained popularity over the years. We also discussed the Gambling Commission and its role in regulating online bingo.

We hope this blog post has been informative and that you have a better understanding of how online bingo is regulated in the UK. If you are considering playing bingo online, be sure to choose a licensed operator to ensure you are protected by these regulations. Thanks for reading!

Online Bingo Games Market Size and Revenue Analysis

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Global online bingo games market (Before-After Covid-19) Analysis of size and forecast until 2030: The global Online Bingo Games research report on Online Bingo Games Market is the product of a brief review and in-depth analysis of realistic data collected from the Global Online bingo games market 2022. The data was collected based on online bingo games manufacturing drifts and service and goods related demands.

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Owing to increase in partnership activities of key players in the online bingo games industry over the projected period, North America accounted for the $xxx million share of the bingo games market online in 2022

Top Online Bingo Games Top Players Included in This Research: NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech

Main types and Applications present in the online bingo games market as follows:

By Type Poker Casino Sports Betting Other By Application Entertainment Commercial Other

A flawless example of the latest developments and game-changing strategic changes enables our clients to enhance their decision-making skills. Ultimately, it helps to work with perfect business solutions and execute innovative implementations. The Global Online Bingo Games Market 2022-2030 The report highlights the latest trends, growth, new opportunities and latent tricks.

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In addition to statistics for online bingo games, most of the data obtained is presented in graphical form. The Global Online Bingo Games Market study shows in detail how the major market players, manufacturers, and distributors operate. The study also describes the restrictions and factors influencing the global demand for Global online bingo games market.

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Frequently Asked Questions:

  • How fast is the online bingo games market expected to grow?

Year-over-year growth for 2022 is estimated at XX% and incremental market growth is expected to be $xxx million.

  • Who are the top players in the Online Bingo Games market?

NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech

  • What are the main market drivers and challenges?

The demand for ASW capacity building is one of the major factors driving the online bingo games market.

  • What is the size of the online bingo games market in North America?

The North America region will contribute XX% of the online bingo games market share

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This helps to understand the overall market and to recognize the growth opportunities in the global Online Bingo Games Market. The report also includes a detailed profile and information of all the major Online Bingo Games Market players currently active in the global Online Bingo Games Market. Companies covered in the report can be assessed on the basis of their latest developments, financial and business overview, product portfolio, key trends in the online bingo games marketlong-term and short-term business strategies by companies to stay competitive in the online bingo games market.

Regions & Countries Mentioned In The Online Bingo Games Market Report:

Online bingo games industry North America: United States, Canada and Mexico.
Online bingo games industry South and Central America: Argentina, Chile and Brazil.
Online bingo games industry Middle East and Africa: Saudi Arabia, United Arab Emirates, Turkey, Egypt and South Africa.
Online bingo games industry Europe: UK, France, Italy, Germany, Spain and Russia.
Online bingo games industry Asia Pacific: India, China, Japan, South Korea, Indonesia, Singapore and Australia.

The Online Bingo Games report analyzes various critical restraints, such as item price, production capacity, profit and loss statistics, and transportation and delivery channels that influence the global market. It also includes the examination of significant elements such as Online Bingo Games market demands, product trends and developments, various organizations, and effect processes in the global market.

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A methodically organized online bingo games market analysis study is based on the primary and secondary tools. It illustrates the collected data in a more communicative and descriptive way encouraging the consumer to develop a well-structured strategy to grow and improve their businesses on schedule.

Find more research reports on the online bingo games industry. By JC Market Research.

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Credit card balances rise after stimulus checks help reduce debt

For many Americans, the pandemic-induced downturn has presented a rare opportunity to improve their financial situation.

Government stimulus checks and shrinking spending opportunities have driven the personal savings rate to a level not seen since World War II, with many consumers using the cash they had to pay off their debts – mainly their balances credit cards, which have the highest interest rates. , with an average of more than 16%.

In total, consumers have paid off a record $83 billion in debt on their credit cards during the pandemic, but the recent spike in the prices of gas, groceries and housing, among other necessities, forces most of them to rely on their credit cards again.

That of the Federal Reserve monthly credit report found that revolving credit, which primarily includes credit card balances, jumped nearly 20% in April from the previous month to $1.103 trillion, breaking the pre-pandemic record of $1.1 trillion. dollars.

Meanwhile, credit card balances are also growing year-over-year, reaching $841 billion in the first three months of 2022, and are expected to continue to rise, according to a separate Federal Reserve Bank report. from New York.

Rising credit card borrowing, along with car loans, student debt and mortgages, has now pushed total household debt to a record $15.84 trillion.

“A big drop and then a big rise”

“We got our new all-time high – it only took 11 months for revolving debt to bottom out and then 15 months from there to climb back to a new high,” said Ted Rossman, senior analyst. of the industry at CreditCards.com.

“After the financial crisis, it took almost 10 years from peak to peak,” Rossman said. “It’s definitely been a V-shaped curve – a big drop and then a big rise.”

“But it’s not all bad news,” he added. “Part of that reflects rising consumer spending, which is good for the economy.”

Yet credit cards are already one of the most expensive ways to borrow money.

Learn more about personal finance:
Some medical debt will soon disappear from credit reports
Emergency savings hit as households adjust finances
What Financial Advisors Would Tell Their Young People Themselves

As the Federal Reserve raises interest rates to rein in inflation, which is at its fastest pace in more than 40 years, maintaining a balance will soon cost even more.

Since most credit cards have a variable rate, there is a direct link to the Fed’s benchmark index. As the federal funds rate rises, the prime rate also rises, and credit card rates follow. Cardholders typically see the impact within a billing cycle or two.

Annual percentage rates currently average 16.61%, but could be closer to 19% by the end of the year – which would be an all-time high, according to Rossman.

To date, the record is 17.87%set in April 2019.

If the APR on your credit card increases by two percentage points from its current level, it will cost you an additional $832 in interest charges over the term of the loan, assuming you have made minimum payments on a average balance of $5,525, he calculated.

Also, it would take more than 16 years to pay.

“The biggest problem isn’t the monthly payments, it’s the cumulative effect of paying a high rate over a long period of time,” Rossman said.

If you have a balance, try consolidating and paying off high interest credit cards with a lower interest rate home equity loan or a personal loan or switch to an interest-free balance transfer credit card, he advised.

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Did you graduate with credit card debt? 3 tips to deal with it

Image source: Getty Images

Don’t worry, your debt doesn’t have to last forever.


Key points

  • Many people graduate with a pile of debt on their credit cards.
  • The right approach could make it easier to pay off that debt and move forward with a clean slate.

If you found yourself perpetually strapped for money in college, you were probably in good company. Many students end up racking up debt on their credit cards, largely because they can’t work full-time (or in some cases, even part-time) while in school.

But if you’ve since graduated from college with a pile of debt, you might want to get rid of it quickly. Here’s how to tackle that debt so it doesn’t weigh you down for years.

1. Determine which debts are costing you the most

Do you owe money on several different credit cards? Chances are that each card will come with a different interest rate. One of the first steps to getting rid of debt is to figure out which cards are charging you the most interest, because those are the debts you’ll want to pay off first.

You might assume that you should tackle small debts first, as they are easier to eliminate. But if you owe $500 on a 12% interest credit card and $1,000 on a 16% interest card, it’s best to tackle the larger balance first.

Granted, attacking the lower balance could be good for your morale. But it’s important to see the big picture and minimize your interest charges, as this will make it easier to eliminate your debt for good.

2. Check if you are eligible for a balance transfer

A balance transfer could be a good way to consolidate your existing debt and make it easier to pay off. This particularly applies if you are able to secure a 0% introductory rate offer.

But be careful – balance transfers can trip you up if your balances transfer fees are high. And also, for a good offer, you will need decent credit. If you don’t have it, you may not be able to qualify for a valid offer or you may not be able to complete a balance transfer at all.

3. Consider a personal loan

A balance transfer can help you consolidate your debt so that you make one monthly payment instead of keeping tabs on four or five different accounts. A personal loan could have a similar effect, and while you usually won’t be able to get a personal loan with a 0% start rate, these loans generally charge less interest than credit cards in general.

Of course, as is the case with a balance transfer, a not-so-good credit score could stumble you on the path to qualifying for a personal loan. That doesn’t mean you can’t get one, but you might end up with a higher borrowing rate than you’d like. But if you happen to have pretty good credit, a personal loan is definitely worth looking into.

Graduating from college with credit card debt can be a tough thing to deal with mentally and financially. But as you establish a career and start earning a steady income, you’ll be in a better position to tackle that debt. And if you take the right approach to eliminating it, you could be debt free before you know it.

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Global Online Lottery Market To Hit $14.5 Billion By 2026 – European Gaming Industry News

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Emerging market leader expands top-tier portfolio with more top-tier slots from an emerging Asian force in multiplayer video content

QTech Games, the number one gaming distributor in all emerging markets, has announced its latest premium partnership with Asian video content and slots provider, CQ9 Gaming.

Under the terms of the new agreement, CQ9 Gaming’s GLI-certified portfolio – comprising premium slots, arcade games and tabletop casino games – has been integrated for QTech Games customers and their players, providing another benefit to a powerful platform recognized for bringing the best online games to market in developing territories.

Popular CQ9 titles include Chance, [1945[1945, Chronos, Zeus, lucky peach, and many more that harness the appeal of multiplayer fish games, arcade games, not to mention multiplayer online board and card games. This ever-evolving production line will help QTech Games strengthen its full suite of gaming verticals, at the heart of QTech ONE™, its definitive one-stop-shop for global operators.

The deal organically expands CQ9 Gaming’s global footprint, accessing a new field of growing markets for accelerated expansion. As the fastest growing distributor in recent years, QTech’s platform is localized for each region with native mobile apps, robust reporting and marketing tools, and 24/7 local language support. and 7 days a week.

Ulf Norder, CCO at QTech Games, said: “We are thrilled to partner with CQ9 Gaming, whose stunning graphics and gameplay chart are at the top of the market. The QTech Games platform is equipped with the best games from the world’s leading providers – and CQ9 now joins this branching tree.

“CQ9 Gaming may only be a young company, but they have already managed to build a strong fan base in Asia and continue to conquer previously untapped markets in Europe and Latin America. Their titles are working on an agile HTML5 game engine, which means you can access it via desktop or mobile devices, although the casino does not currently offer a dedicated mobile app.

“Wherever you set up your scene in this ever-changing landscape, our platform upholds a mobile-first mantra, packed with all the best localized games that cater to diverse cultural tastes. As an instructive example, if you don’t offer the game of fish in China, there is no chance of success. And it’s a similar story with the Andar Bahar in India. CQ9 understands the demand for regional specificity throughout Asia and beyond, making it a logical, long-term ally to team up with.

A CQ9 spokesperson added: “This agreement significantly expands CQ9 Gaming’s international influence, opening up the ‘marginal’ markets of Eastern Europe and Latin America for diversified growth.

“CQ9 is one of the leading video slot providers in the Asian market with over 100 titles to their credit. We are constantly working to expand this reach and establish ourselves in Europe and CIS facing territories, and QTech’s broad reach in accessing emerging markets means we can do this deftly while building our existing Asian-focused audience.

“Our goal has always been to design intuitive and interactive live dealer experiences that are personalized for every generation of mobile end users. As QTech Games is an instrumental distributor across Asia and other untapped regions, we look forward to seeing how our games connect with different and diverse player profiles.

“In an age where localization techniques are being refined, QTech Games truly delivers on its brand promise of customizing high-class content for diverse cultures. That’s what keeps them at the forefront of relevance for all kinds of players in the bubbling melting pot of emerging markets.

How to Pay Off Credit Card Debt: 6 Winning Strategies

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

If you’re wondering how to pay off your credit card debt, these 6 proven strategies can help you pay down your balances and free yourself from debt. (Stock)

Paying off credit card debt may seem impossible, but it can be done. With a well thought out plan and strategy in place, you can make steady progress towards paying off your balances until you are finally debt free.

Here’s a look at six proven strategies to help you pay off your credit card debt, plus some tips for avoiding credit card debt in the future.

A debt consolidation loan can be a great way to pay off and eliminate credit card balances. Visit Credible for view your prequalified personal loan rates from various lenders in minutes.

1. Pay off the debt with the highest interest rate first

Ideal for those who want to save on interest charges

Known as the avalanche of debt method, this strategy consists of making the minimum monthly payments on all your credit cards, except the one with the highest interest rate. Focus on making the largest possible payment on your highest interest card to pay down your balance quickly. Then, once that card has paid off, you will move on to the card with the next highest rate. You will continue this process until all of your credit card balances have been paid in full.

Advantages

The biggest advantage of the debt avalanche method is that it will save you money on total interest charges. By tackling your highest interest debt first, you’ll ensure that less interest accrues on your outstanding balances over time. Also, since the total amount you’ll owe will be smaller, you should be able to pay off your credit cards sooner, assuming you’re able to continue making payments consistently.

Disadvantages

Unfortunately, it may take longer to see substantial progress with this method, especially if your highest interest credit card balance is quite large. If you’re someone who tends to get discouraged when you don’t see results right away, you may be better suited for the next debt repayment strategy.

SURVEY: 40% OF GENERALS SAID CREDIT CARD DEBT IS THEIR BIGGEST FINANCIAL CONSTRAINT

2. Pay off the smallest balance first

Ideal for those who like to see quick results

With the snowball method, you’ll make the minimum monthly payment on all of your credit cards except the one with the lowest balance. On this card, you will want to make the highest payout possible. Then, once you’ve paid off that card, switch to your card with the lowest balance until you’re completely debt free.

Advantages

The biggest advantage of the debt snowball method is that it gives you fast results. It is meant to entice you to continue your debt repayment journey by offering you a series of small payoffs at the start. Even if you only pay off a small balance, your confidence will likely increase as you progress.

Disadvantages

The downside to the debt snowball method is that you’ll likely pay more interest over time. These additional charges will increase the total amount of money you will pay to your creditors. They can also lengthen the process of paying off your debts.

3. Take out a debt consolidation loan

Ideal for those juggling multiple debt payments

A debt consolidation loan is a Personal loan that you use to pay off high-interest debt, especially credit cards. To take out a debt consolidation loan, you will apply for a new loan from a lender. Then, if you’re approved, you’ll use the loan funds to pay off your existing credit card balances. Some personal lenders will pay your creditors directly for you.

Credible, it’s easy to compare personal loan rates from various lenders, all in one place — and it won’t affect your credit score.

Advantages

The main advantage of a debt consolidation loan is that it lets you streamline multiple payments into one. If you’re struggling to meet your minimum payments and due dates, this may be a good option for you. Plus, since personal loans often have lower interest rates than credit cards, chances are you’ll save money on interest charges over time.

Disadvantages

It is important to note that debt consolidation loans often come with additional fees. Depending on the terms of your loan, the lender may charge an origination fee, which is an initial fee that covers the administrative costs of underwriting the new loan. Assembly costs typically range from 1% to 8% of the total loan amount, and the fee will be deducted from your loan funds when disbursed. In other cases, you may have to pay a prepayment penalty if you decide to prepay your loan.

CREDIT CARD CONSOLIDATION CAN SAVE YOU THOUSANDS AS PERSONAL LOAN RATES ARE AT RECORD LOWS

4. Use a credit card with balance transfer

Ideal for those with high credit scores

Balance transfer credit cards allow you to transfer your balances from an existing high-interest credit card to a new card with a lower interest rate. Balance transfer cards often come with an introductory APR of 0% for a certain period, and some cards may even waive the balance transfer fee during the promotional period. To use this debt repayment method, you must first apply for a new credit card and get approved.

Advantages

The biggest advantage of a balance transfer credit card is the introductory promotional rate. For a limited time, you’ll have the option to pay off your new balance without accumulating interest. This can help you make further progress in paying off your balance.

Disadvantages

Balance transfer credit cards are generally only available to borrowers who have higher credit scores. If you have a lower score, you may need to consider other options. Plus, there’s the promotional schedule to consider. Once the Interest Rate Introductory Period is over, your rate will adjust to the card’s regular rate, which may be higher than the rates you were paying on your original credit cards. Balance transfer cards often come with a balance transfer fee, usually 3% to 5% of each amount you transfer.

HOW DO BALANCE TRANSFERS AFFECT YOUR CREDIT SCORE?

5. Seek help through debt relief

Ideal for those whose debt has become unmanageable

Seeking debt relief involves hiring a third party to negotiate with your creditors on your behalf. Debt relief usually comes in one of three forms: a debt management plan, debt settlement, or bankruptcy. With these methods, the third party can help you negotiate the refund, which may be less than the total amount you owe in some cases.

Advantages

When it comes to debt relief, the main advantage is that there will be less legwork for you. Negotiating with creditors often requires making several phone calls and sometimes even sending letters. When you hire a third party, much of that work is handled for you.

Disadvantages

This method also has multiple drawbacks. For starters, debt settlement companies often charge high fees to negotiate your debt for you. The company may also ask you to stop making payments on your credit cards, which can have negative effects. affect your credit score when missed payments show up on your credit report. Finally, some debt settlement companies are disreputable. If you’re considering going this route, be sure to do plenty of research. To make sure you are dealing with a legitimate company, contact your state attorney general.

Using a personal loan to consolidate debt can often be a better option than settling your debt for less than you owe. If you’re opting for a personal loan to pay off your high-interest credit card debt, visit Credible for view your prequalified personal loan rates in minutes.

6. Borrow money from family or friends

Ideal for those who do not qualify for other debt repayment options

If you can’t make any of the other debt repayment options work, you might want to consider borrowing money from family and friends. If you choose this option, it’s a good idea to carefully consider who you’ll be asking to lend you funds, draft a repayment agreement, and prioritize the necessary payments.

Advantages

Access to flexible repayment terms is undoubtedly the biggest advantage of borrowing money from relatives. People around you will often be willing to give you a lower interest rate than normal, if they charge you interest. They can also be flexible about your repayment schedule.

Disadvantages

Too often, money has the potential to ruin relationships. If you don’t pay back what you owe, it will most likely put a strain on your relationship.

How to Avoid Future Credit Card Debt

Now that you have a better idea of ​​how to repay credit card debt, the next step is to learn how to avoid taking on more debt in the future. Here are some strategies to help you stay debt-free:

  • Spend what you can afford. Although credit cards allow you to fund purchases and pay them back later, it’s best to treat your credit cards like cash. If you only spend the amount you have in your bank account, you’ll be able to pay off your balances in full and avoid accruing interest or charging new debt.
  • Pay as much as you can. Even if you can’t pay off all of your balances each month, you should make the highest possible payment. When you only make the minimum payment, it results in the accumulation of a significant amount of interest charges, which can cost you more money over time.
  • Pay on time. When you make a late payment, interest charges start accumulating. You may also have to pay late fees. In addition to costing you money, late payments can also negatively affect your credit score.

5 Ways to Bypass High Credit Card Interest Rates – WSOC TV

CHARLOTTE — Credit card interest rates have started to rise.

The Bankrate Group predicts that the average credit card interest rate could reach 19% by the end of the year, which would be a record.

Obviously, it’s good if you can pay off your credit card in full each month, because that means there’s no interest. But if you can’t, Action 9’s Jason Stoogenke says there are things you can do to combat high interest rates.

First, remember that you can make more than one payment per month. Every little gesture counts. You don’t have to wait for the end of the billing cycle.

Second, the NerdWallet group says that if you have a big purchase coming up, you might want to open a new credit card, offering 0% interest. But be sure to use it wisely. You don’t want this to become another source of debt.

“It’s basically getting an interest-free loan. Just keep in mind that once the promotional period is over, the interest rate will go up,” said Sara Rathner of NerdWallet.

Third, consider a personal loan. You can consolidate your debt, pay it off at a lower rate, and have a fixed payment each month.

Fourth, don’t be afraid to negotiate.

“The answer could be yes, in which case this call was 100% worth your time,” Rathner said.

Fifth, consider consolidating your debt with what’s called a balance transfer credit card.

“These are potential options that can give you a year or more at 0% interest. It can save you hundreds of dollars if you have a balance of several thousand dollars,” Rathner said.

But a few words of caution about the last one. NerdWallet says:

  • Usually you need good credit to qualify for these cards.
  • Most of these cards charge a transfer fee (usually 3-5%). But there are free ones.
  • The interest rate will increase after the end of the promotional period.

(WATCH BELOW: New scam warning for people in debt)

Interested in a Crypto credit card? Here’s what you’ll miss

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Instead of cash back, points, or miles, some newer credit cards offer cryptocurrency rewards on your spending.

Crypto credit cards are rapidly becoming available to US consumers – and their easy access to crypto may appeal to both existing crypto enthusiasts and curious crypto investors looking to enter the market.

But even though these cards are becoming more common, they leave a lot to be desired when it comes to reward value. Many only offer lukewarm rewards rates, and with the volatility of cryptocurrency, there is a large potential opportunity cost in forgoing the guaranteed points or cashback redemptions that come with older rewards cards. regular.

In fact, many experts we spoke to believe that crypto cards still have a long way to go before their value can match many cards in the market today. Before you decide to open a crypto credit card, make sure you understand how crypto credit cards work and the risks you may be exposing your wallet to.

Crypto credit cards vs credit cards with rewards

Crypto credit cards can be an attractive option for those who have already invested in crypto or are looking to get started without too many upfront costs – but they lack many of the benefits that make many rewards cards so valuable.

Rewards credit cards often have many advantages over their crypto counterparts, including:

  • Welcome offers: Rewards credit cards often come with lucrative sign-up bonuses worth hundreds of dollars. Some offers may even be worth more than $1,000. Few crypto credit cards offer meaningful welcome offers.
  • 0% APR Introductory Offers: Traditional credit cards can also be great tools for debt consolidation and financing big purchases, thanks to 0% APR offers on purchases and balance transfers. Crypto cards charge the same high ongoing interest rates as other credit cards, with no introductory period for reduced interest.
  • Premium Benefits: Credit card perks like annual credits and status upgrades, airport lounge access, and travel and purchase protections can offer great value to frequent fliers. You might find some added benefits with crypto cards, but they won’t be as comprehensive as some of the better rewards cards.
  • Guaranteed value: With a regular credit card, you’ll get guaranteed returns in the form of cash back, points or miles. Crypto rewards are volatile at best, and your 2% return on spend could end up being worth much less by the time you cash out, depending on how the market fluctuates.

Benefits of Crypto Credit Cards

Crypto credit cards offer cryptocurrency rewards instead of traditional cash back, points, or miles.

For example, the Upgrade Bitcoin Rewards card earns a fixed return of 1.5% in bitcoin. The Signature BlockFi Rewards Visa® Card offers the same 1.5% return on every purchase, but lets you redeem your rewards for multiple types of crypto.

Other crypto credit cards have tiered reward structures. The Gemini credit card, for example, earns 3% on meals, 2% on groceries, and 1% on everything else, with the ability to redeem rewards for any cryptocurrency available on Gemini.

According to Ted Rossman, Senior Industry Analyst at CreditCards.com, crypto credit cards can be a tool for those looking to get into the crypto market. Like NextAdvisor, CreditCards.com is owned by Red Ventures. He compares investing only the rewards you earn with a crypto card to “playing with house money.”

“For a certain type of person, they’re looking for that edge… They want to get into crypto and they’re betting that it’s going to be worth more in the future.”

Rossman adds that crypto credit card holders can also benefit from avoiding certain fees charged by crypto exchanges. “It could actually be a pretty convenient way to get into the market,” Rossman says. “It’s a bit of an underrated benefit of some of these cards.”

Risks of Crypto Credit Cards

Najah Roberts, Founder and CEO of Crypto Blockchain Socket, a cryptocurrency exchange and education hub in Inglewood, CA, loves earning rewards using its crypto credit cards. In about five months, she estimates she earned over $400 in bitcoin rewards.

At the same time, Roberts advises caution when using crypto credit cards, especially with regards to crypto tax liability.

Although you are not likely to pay taxes on your earned crypto rewards, you will pay when you cash out. When you sell a cryptocurrency that has appreciated, you will be subject to capital gains tax, or the difference between the amount the coin was worth when you “bought” it with your rewards and the price. of sale.

The points or cash back you earn with rewards credit cards on purchases you make, on the other hand, are rarely taxable.

Another major setback of crypto rewards is the potential loss of value. Many crypto enthusiasts buy for the potential to see their value skyrocket, but it’s still a volatile asset and growth is all but guaranteed.

In fact, the price of bitcoin has hovered between $30,000 and $60,000 in the past few months alone. If you had earned 1.5% back in bitcoin when the price was $60,000 per coin, then decided to cash out when the price fell to $30,000, you would have lost half the value of your rewards.

Credit cards with rewards always offer more value

Many experts we spoke to about crypto credit cards remain skeptical of their value over rewards cards.

The main advantages of these cards are the ability to directly earn rewards as crypto, foregoing the need to buy crypto with cash and using them as a relatively low-risk way to invest in the crypto. With less lucrative rewards, fewer extra perks, and a lack of welcome bonuses or introductory offers, you’ll still get a lot more value from many of the best credit cards on the market today than with a crypto card.

Pro tip

Another crypto-adjacent credit card option is a card like the SoFi credit card or Venmo card, which earn cashback rewards but offer crypto as one of many redemptions. This way, you can enjoy crypto rewards, but also have the option to choose cash back or statement credits.

If you’re really into crypto, you might be better off opening a rewards card that fits your spending habits and budget, and then using your rewards to invest in cryptocurrency. You will still be subject to the ups and downs of the crypto market, but you might earn a better rewards rate on your spend and be able to enjoy other benefits of more general rewards cards.

Plus, you’ll always have the option to redeem your rewards as statement credit or use them for future travel, should you change your mind.

Editorial independence

As with all of our credit card reviewsour analysis is not influenced by any advertising partnership or relationship.

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  • Regular APR:

    16.74% – 23.74% variable

  • Recommended credit:

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  • Introductory offer:
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    $0 annual introductory fee for the first year, then $95.

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    670-850 (good to excellent)

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The future of crypto credit cards

As public interest around crypto continues to grow, crypto credit cards are likely to stay. Many crypto cards on the market have only been around for a year or less, which means there is plenty of room for growth in the future.

Roberts is a “cautious optimist,” but advises cardholders to do their due diligence. “I’m tiptoeing to see how these companies can help the average everyday consumer,” she says.

And if crypto markets continue to grow alongside, there could be even more flexible ways to incorporate cryptocurrency into our spending. While it’s not a good idea to spend your bitcoin in cash today, it could add another unique offer to crypto credit cards in the future.

Rossman is curious to see if there will be any crypto credit card products in the US that allow direct spending of crypto, in addition to just earning crypto rewards.

“I think they need to make it easier and more accessible,” he says. “So you wouldn’t really be selling stocks every time you made a small purchase. It’s just very confusing.

Online Casino Software Market Trend and Forecast | Key Players – Igt, Playtech, Microgaming, Betconstruct, Softgamings – Industrial IT

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New Jersey, United States,- The Global”online casino software Market” provides global trade information along with valuable facts and figures. This analysis study intimately explores the global market such as industry chain structures, product suppliers, and production. The online casino software sales market examines major segments of the GPS bike computer market scale. This good study provides historical knowledge as well as forecast from 2022 to 2028.

The entire price chain and demanding downstream and upstream components are examined during this report. This market report covers the technical knowledge, production facility analysis, and supplied item analysis for the Online Casino Software business and conjointly explains the product has the best penetration, profit margins, and market share. market.

Main Drivers and Obstacles:

High-impacting factors and driving forces are studied in the Online Casino Software market report to aid in reader perception of the development. Additionally, the report contains restrictions and challenges that will fulfill the gamers method. this can make it easier for the user to listen and build informed professional choices. The experts have jointly verified the following trading prospects.

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Market segmentation :

Key players:

  • Igt
  • playtech
  • Micro game
  • Betconstruct
  • Softgamings
  • Betsys
  • betradar
  • Sbtech
  • Digitain
  • Gamma stack
  • Each die
  • Sb betting software
  • Novomatic

Segment by types:

Segment by applications:

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Scope of Online Casino Software Market Report:

Report attribute Details
Market size available for years 2022 – 2029
Base year considered 2021
Historical data 2018 – 2021
Forecast period 2022 – 2029
Quantitative units Revenue in USD Million and CAGR from 2022 to 2029
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

Regional Analysis For Online Casino Software Market:

The global Online Casino Software Market research report details current market trends, development outlines, and several research methodologies. It illustrates the key factors that directly manipulate the market, for example, production strategies, development platforms, and product portfolio. According to our researchers, even minor changes in product profiles could lead to huge disruptions in the factors mentioned above.

North America (United States, Canada and Mexico)
Europe (Germany, France, United Kingdom, Russia and Italy)
Asia Pacific (China, Japan, Korea, India and Southeast Asia)
South America (Brazil, Argentina, Colombia, etc.)
Middle East and Africa (Saudi Arabia, United Arab Emirates, Egypt, Nigeria and South Africa)

Post-covid-19 outlook:

Readers of the section will understand how the online casino software market scenario has changed across the globe during the pandemic and post pandemic. The study is carried out keeping in mind the changes in aspects such as production, demand, consumption and supply chain. The market experts have also highlighted the key factors which will help create opportunities for the players and stabilize the overall market in the coming years.

What insights does the Online Casino Software market report provide readers?

➜ Online casino software fragmentation on the basis of product type, end use and region
➜ Comprehensive assessment of upstream raw materials, downstream demand and current market landscape
➜ Collaborations, R&D projects, acquisitions and product launches of each online casino software player
➜ Various regulations imposed by governments on the consumption of online casino software in detail
➜ Impact of modern technologies, such as big data and analytics, artificial intelligence, and social media platforms on the global online casino software market.

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There are 13 Sections to show the global Online Casino Software market:

Chapter 1: Market Overview, Drivers, Restraints and Opportunities, Segmentation Overview

Chapter 2: Market Competition by Manufacturers

Chapter 3: Production by regions

Chapter 4: Consumption by Regions

Chapter 5: Production, by Types, Revenue and Market Share by Types

Chapter 6: Consumption, by Applications, Market Share (%) and Growth Rate by Applications

Chapter 7: Comprehensive Profiling and Analysis of Manufacturers

Chapter 8: Manufacturing Cost Analysis, Raw Material Analysis, Manufacturing Expense by Region

Chapter 9: Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10: Marketing Strategy Analysis, Distributors/Traders

Chapter 11: Market Effect Factor Analysis

Chapter 12: Market Forecast

Chapter 13: Online Casino Software Market Research Findings and Conclusion, Appendix, methodology and data source

Lastly, the researchers shed light on the precise analysis of the global online casino software market dynamics. It also measures enduring trends and platforms that are driving market growth. The degree of competition is also measured in the research report. With the help of SWOT and Porter’s five analyses, the market has been thoroughly analyzed. It also helps to deal with the risks and challenges faced by businesses. Also, it offers in-depth research on sales approaches.

To note: All of the reports we list tracked the impact of COVID-19. The upstream and downstream of the entire supply chain were taken into account during this operation. Additionally, where possible, we will provide an additional COVID-19 update supplement/report to the third quarter report, please check with the sales team.

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How to pay your credit card bill

Paying your credit card bill may not be the most enjoyable activity of your life. But that’s also not negotiable. Not keeping up with your credit cards can lead to serious problems, like damaging your credit score and putting you deep in debt. Let’s take a look at how to pay your credit card bill to avoid these potential problems.

Why is it important to pay your credit card bill?

Credit cards are particularly dangerous because they offer a form of debt that is easy to acquire and comes with an extremely high interest rate. Although you have the option of making a minimum payment each month in order to stay in good standing with the lender, doing so for all your credit cards can quickly lead to problems.

When you only make a minimum payment, most of your balance will accrue interest at a high rate. This means that your balances can actually get bigger and bigger, even if you pay them off. Doing this with multiple accounts can land you in a position where you are suddenly in debt with no way out. Therefore, you need to know how to pay your credit card bill otherwise you may face serious financial problems.

Things get even worse if you fail to make a payment at all. In this case, your account will eventually be sent to collections, which will lead to endless headaches and calls from debt collectors. Plus, not paying your credit cards can significantly damage your credit score, making it harder to get financing later when you might need it for a car or a home.

How to pay your credit card bill

There are two things to consider when considering how to pay your credit card bill. First, you want to know about the different credit card payment options and which one makes the most sense for someone in your position.

There are several routes you can take to pay your credit card bill. The best of these is usually to set up an online automatic payment, where the full balance is taken from your checking account each month. It doesn’t matter when you choose to pay as long as it’s before the payment due date. However, you can also choose to pay your bill manually if you’re low on funds and don’t want to risk overdrafting your checking account. The important thing is that you track your payments.

This brings us to the second key consideration on how to pay your credit card bill: if you’re simply unable to do so at all due to financial hardship. If none of the credit card payment options work for you, it might be time to ask for help or other methods.

What to do if you can’t pay your credit card bill

Consumers can do several things if they are unable to pay their credit card bills. One of the first options on the table may be to look into debt consolidation. This is where multiple credit accounts are combined into one. When you do a credit card balance transfer, which is a form of debt consolidation you can do on your own, you can consolidate several of your credit accounts, making it easier to pay off. But beyond that, credit card balance transfers also come with a low introductory interest rate. This can give you a chance to get ahead of your debt during a period when you are not accruing interest.

A home equity line of credit (HELOC) or debt relief program could provide a way out of credit card debt for those who need a more substantial plan. You can find out more about this at www.freedomdebtrelief.com. Freedom Debt Relief is one of the most trusted debt relief companies, which is evident from their many positive reviews.

If you are having difficulty with your credit card bills, you should also consider contacting a credit counseling agency. These are organizations specializing in helping consumers regain their financial balance. A credit counselor can provide you with valuable educational materials or even help you create a debt management plan (DMP). Many of their services are completely free, so it’s usually worth contacting them at least.

The average American consumer has over $6,100 in credit card debt. For those who use credit cards a lot, knowing how to pay your bill is essential to maintaining or regaining your financial well-being.

Best Ways to Consolidate Credit Card Debt

Banking Industry CIO Perspectives | Monday, May 30, 2022

If you’re having trouble making monthly payments on multiple credit cards, debt consolidation may be the best option.

Fremont, California: It can be overwhelming to pay all your credit card bills at once, especially if the user has a high interest rate or a huge balance on many cards. If customers are struggling to make monthly payments on multiple credit cards, debt consolidation may be the best option.

Consolidating existing debt involves combining all existing debt, whether credit card bills or loan repayments, into one monthly payment. This can be a great answer if users have multiple credit card accounts or loans and want to simplify or minimize monthly payments.

There are several methods of debt consolidation. Let’s go over some of the more common methods:

Use a credit card with balance transfer

Balance transfer cards, which allow users to transfer high-interest debt to a new, low-interest account, should be among the first debt consolidation choices users consider.

Use the equity in your home

One could use the equity in their property to consolidate credit card debt. For example, with a cash refinance or home equity loan, homeowners with lots of high-interest credit card debt can save money on interest payments and pay off their amounts faster.

Apply for a personal loan

Given the financial situation, using a personal loan to consolidate credit card debt could be a smart alternative. Personal loans are popular ways to consolidate credit card debt because they offer a predictable process for quick repayment.

Consider a 401(k) loan

A 401(k) loan is the best strategy for consolidating credit card debt. Additionally, borrowing against retirement assets may be what users need if they are in financial difficulty, but they are sure they will be able to get back on track shortly.

Use a debt management program

A debt management program (DMP) can help clients reduce overall interest rates, which means more of each monthly payment is applied to the principal balance – and less to interest. Assuming users don’t think they will be able to repay debts in three years (if not related to a specific purchase), or if user wants to consolidate without borrowing money or establishing a new line of credit is an excellent alternative.



Sports Betting Software Market Size and Forecast to 2029

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New Jersey, United States – Current trends, industry analysis and growth development exemplified in this “Sports betting software market” report are very beneficial for newbies entering the market. This report covers the whole scenario which is driving the growth of the market, including factors such as challenges, drivers, recent trends, restraints, technological advancements as well as opportunities for players. This market performs a perfect assessment of the market to provide a complete overview of the market development with reference to the future projections and the market scenario. This analytical research on Sports Betting Software Market share, industry volume and growth aspects.

This Sports Betting Software Market Report Covers Latest Events, Trade Restrictions, Customs Analysis, Stakeholder Management, Value Chain Effectiveness, Sales Growth, Influence of Local Players and international industry and outlook. Evolution of revenue generation, regulatory changes, competitive industry growth studies, company size, categorization of industry growths, industry specializations and supremacy, l Risk assessment, marketing strategies, regional developments and technological innovations in the market are all aspects considered in this sports betting software. market report as well as a COVID-19 analysis on each sector.

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In the Sports Betting Software Market research report, vendors will find insights into factors affecting market growth which will provide them with useful data for strategic planning. The growth potential of a market can be determined by understanding these factors. Sports Betting Software market competition by TOP MANUFACTURERS, with production, price, revenue (value) and each manufacturer including:

Key Players Mentioned in the Sports Betting Software Market Research Report:

Playtech, Microgaming, Betconstruct, Softgamings, Betsys, BetRadar, SBTech, Digitain, GammaStack, EveryMatrix.

Sports Betting Software Market Segmentation:

Sports Betting Software Market, By Type

• On the site
• Cloud-based

Sports Betting Software Market, By Application

• Online Bookmakers
• Game operators

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Scope of the Sports Betting Software Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Answers to key questions in the report:

1. Who are the top five players in the sports betting software market?

2. How will the sports betting software market develop in the next five years?

3. Which product and which application will capture the lion’s share of the sports betting software market?

4. What are the Sports Betting Software Market Drivers and Restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the sports betting software market throughout the forecast period?

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Michigan joins online poker network with NV, NJ, DE

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Michigan joins a multi-state online poker cash-sharing agreement.

An agreement signed on May 23 by Henry Williams, executive director of the Michigan Gaming Control Board, allows internet poker players in Michigan to compete against players in Delaware, Nevada and New Jersey. These three states belong to the Multi-State Internet Gaming Agreement, and Michigan is now a member.

“I am pleased to announce that Michigan has joined the Multistate Poker Pact, and a large portion of the increased tax revenue from Multistate Poker will go to support K-12 education in Michigan” , Williams said. “By joining us, Michigan will nearly double the potential pool of participants in multi-state poker games.”

The Michigan Legislature in December 2020 passed a bill authorizing the MGCB to join a multi-jurisdictional poker pact, giving Michigan residents the opportunity to compete against poker players from other states. Senator Curtis Hertel (D-East Lansing) sponsored the bill, which was signed by Governor Gretchen Whitmer on December 29, 2020.

Language permitting multi-jurisdictional gambling was omitted from the original Internet Gaming Act signed in December 2019. Michigan’s 2021 law restricts multi-jurisdictional internet gambling to poker.

“Michigan poker players will have more options and likely play for more money when they can compete against players from other states,” Senator Hertel said. “I’m glad we were able to make this possible for poker players in Michigan.”

Obtain MGCB permission to launch multi-state poker, licensed operators and associated platform providers must go through several stages. The MGCB this April released guidelines on participation requirements for operators.

“Operators still have work to do before Michigan residents can join multi-state poker games,” Williams said. “The MGCB must ensure that Michigan residents are protected when playing multi-state poker, and we will apply the same rigor to the review of the new offer as we have other games on the Internet.

Although the agreement is currently limited to four states, it is possible that other states could join.

Currently, three licensed operators and vendors offer online poker in Michigan: MGM Greater Detroit with BetMGM, Grand Traverse Band of Ottawa and Chippewa Indians with World Series of Poker, and Little Traverse Bay Bands of Odawa Indians and provider PokerStars.

UK’s luckiest towns revealed by online bingo winnings

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Kirkwall in Orkney, Scotland is the luckiest town in the whole of the UK, while localities in Scotland are disproportionately lucky, according to new research. The study, conducted by Paddy Power Bingo, takes an in-depth look at the results of millions of individual online bingo games played by their customers, revealing that Kirkwall boasts a 31% win rate.

The Scottish city’s impressive win rate is nearly 50% higher than any other UK city, with Lymington in Hampshire and Isleworth in London rounding out the top three (both with a 21% win rate). Paddy Power Bingo punters may want to move to Scotland for luck, as four Scottish towns feature in the top 10 luckiest places – massively outperforming Wales, with Maesteg in Bridgend being the only Welsh representative of the list.

Top 10 UK cities by pass rate

Rank

City/Town

Country

win percentage

1

Kirkwall, Orkney

Scotland

31%

2

Lymington, Hampshire

England

21%

3

Isleworth, London

England

21%

4

Melksham, Wiltshire

England

20%

5

Dingwall, Highland

Scotland

20%

6

Larkhall, South Lanarkshire

Scotland

20%

seven

Lockerbie, Dumfries and Galloway

Scotland

20%

8

Wetherby, West Yorkshire

England

20%

9

Maesteg, Bridgend

Wales

19%

ten

Wadebridge, Cornwall

England

19%

However, while the Scots routinely celebrate a win, when it comes to the top 10 by amounts won, there are no representatives from north of the border. The English, while winning less frequently, enjoy much larger earnings, with nine English cities ranking among the best in terms of average earnings per game.

Despite only one representative in the top 10 for win rate and highest average payout, Wales top the charts for highest average earnings, with Ruthin (Denbighshire) being the most successful. Hebden and Longfield, in West Yorkshire and Kent respectively, get silver and bronze in the earnings table.

Top 10 cities by average payment:

Rank

City/Town

Country

1

Ruthin, Denbighshire

Wales

2

Hebden Bridge, West Yorkshire

England

3

Longfield, Kent

England

4

Ashbourne, Derbyshire

England

5

Pulborough, West Sussex

England

6

Bodmin, Cornwall

England

seven

Bishops Stortford, Hertfordshire

England

8

Shefford, Bedfordshire

England

9

Surbiton, London

England

ten

Esher, Surrey

England

The biggest individual win of all time came at Doncaster, with one extremely lucky punter winning £20,570 in one game. Not to be completely outdone by the North, London recorded the most wins over £1,000 (162), followed by Coventry (110) which is well ahead of the chasing pack. Surprising entrants to the top 10 include smaller areas such as Romford and Haverhill.

Win over £1,000:

Rank

City/Town

Country

Number of wins over £1,000

1

London

England

162

2

Coventry

England

110

3

Leicester

England

70

4

Manchester

England

65

5

Romford, Essex

England

47

6

Haverhill, Suffolk

England

44

seven

liverpool

England

40

8

Bristol

England

39

9

Glasgow

Scotland

39

ten

Stockport

England

36

A spokesperson for Paddy Power Bingo said: “Bingo requires a bit of luck so we thought it would be a good idea to have one of our boffins analyze the results of over 700 million games to find out who does the best. So kudos to the people of Kirkwall who seem to be a lot luckier than anyone else in the country.

“Given the strong Scottish representation among the luckiest places, you may consider moving north of the border to bring good fortune. I would stay well away from Wales. And that’s not very lucky either…”

Here are 4 ways to effectively manage your credit card debt

You could have racked up high credit card debt during the pandemic. Well, you are not alone. There are many others too, who could have done so, due to layoffs, job losses, increased hospital and medical costs, among others.

Since credit card debt carries heavy charges and penalties, you might feel a heavy burden on your shoulders. It is a fact that unpaid dues, as well as new credit card transactions, would continue to incur hefty charges of around 40% until the time you repay the entire unpaid amount, as well as fees and penalties.

Additionally, credit card debt could also affect your credit score, which in turn will affect your eligibility for a loan in the future.

Therefore, it is best to avoid a situation where your credit card debt spirals out of control. However, in case you are faced with such a crisis, here are four ways to solve this problem:

Living with one credit card: When you’re deeply in debt, try to live with just one credit card. You could, at most, keep two credit cards on you. Keeping multiple cards will only add to your worries. “In situations where you are deeply in debt on your credit cards, consolidating your credit cards is key. You should immediately cut off the extra number of cards. Try to live with just the card. Try to stop using other cards by paying the dues and letting your bank know you don’t need them anymore would make your life easier,” says Hemant Beniwal, Certified Financial Planner and Principal at Ark Primary Advisors, a financial planning firm. You need to be disciplined in using your credit cards, resist the temptation to spend on unnecessary things, and save money to pay off your dues as soon as possible.

Transfer Outstanding Balance in EMIs: Many credit card companies offer the option of converting your pending dues into equivalent monthly installments (EMI). This way, you can repay the full amount in smaller pieces over a longer duration as per your convenience. The interest rate on EMI in this case would be much lower than the finance charges on your unpaid dues. The interest rate varies depending on the term you choose to repay outstanding amounts through EMI. Try to choose the shortest term to reduce your interest expense.

Opt for a personal loan with a lower interest rate: You can also opt for a personal loan to pay off your credit card charges. This is generally useful for people burdened with high debt. In most cases, credit card providers charge an interest rate of around 40% per year, while you can get a personal loan from an interest rate of around 11%, and which can be repaid in a maximum of five years. Taking out a personal loan for debt consolidation will help you manage your finances more efficiently. You would pay off your credit card debt in easy EMIs.

Balance transfer to another credit card provider: This is yet another smart way to avoid paying high interest. You can transfer your balance to a credit card issued by another provider or another bank that charges a lower interest rate. An important point to note about transferring credit card balance to another bank card is that you can only transfer this amount to your new credit card within its credit limit. The best way to use credit card balance transfer is to pay all your dues during the free or nominal interest rate period. But while deciding on another credit card, you should pay close attention to its features which should serve your purpose. Otherwise, there is always a risk of falling into another debt trap.

How to choose the best online bingo site – London Business News

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If London loves anything other than business, it’s bingo. Even though bingo has its origins in Italy, the UK has welcomed the game as one of its own. For much of the duration of the 1960s and beyond, hundreds of bingo halls opened across the country. Since then, like the rest of the UK gambling industry, bingo has partially migrated online, giving players another option when they don’t want to travel to a land-based establishment to play. However, with the flexibility that online casinos offer, there is also a degree of confusion. For example, with all the options, how do you choose the most reputable online bingo site? Keep reading to find the answer.

Choosing the right online bingo site

Just as there are several ways to play real money bingo, from Slingo to jackpots to scratch cards, there are also different methods to choose the best online bingo sites or apps. To begin with, players always want to choose an online bingo and casino site whose software has been tested by a third-party agency. This will demonstrate that the platform is stable, legitimate and fair. For example, platforms like Betfair are known to have their bingo software certified by Norton. In addition, potential players should use an online casino that offers certainty in the form of bonuses. In other words, even though the game is based on luck, players can give themselves a helping hand by using casino sites that reward them for completing a task, such as making a deposit. These bonuses are available for bingo and other casino games like poker and roulette.

Finally, the selection of games is essential. Practice can make perfect, but someone won’t become a complete gamer playing the same games by the same game providers. For example, Rainbow Riches may be the UK’s most famous slot franchise, but Barcrest Game Studios has several other games worth exploring. It’s no different from a retailer offering a diverse selection of merchandise. Businesses need to appeal to more than one demographic group. Some gambling niches that have recently started to gain popularity include hybrid games like Slingo, which combines slots and bingo, and branded casino games. Branded casino games are basically casino games that have popular cultural themes. For example, there are video slot games based on everything from Top Gun and King Kong to AMC’s The Walking Dead TV franchise.

Even online bingo requires players to put real money on the line, which is why it’s so important for novice players to take the time to research which platforms are reliable and secure. Researching the inclusion of responsible gambling tools should be one of the first things anyone does. But then comes the fun side of the research process, which includes reviewing the selection of games and the potential bonuses and promotions that can be acquired by playing. Keep in mind that players should never stop their research, as the online gambling community is constantly changing and is only expected to grow even more in the years to come.

Please gamble responsibly. For more information and advice visit www.begambleaware.org

The California State Lottery Helps Steer the Trajectory of the Global Online Lottery Market

Recent market research by Technavio revealed that the California State Lottery remains one of the leading providers in the global lottery market. In its information on the top 20 vendors in the global lottery market, the California State Lottery was listed as one of six state lottery organizations in the United States, suggesting that the keno hall market and bingo across the Sunshine State is likely to remain strong.

Technavio forecasts a compound annual growth rate (CAGR) of 11.11% for the global online lottery market, driven by growth in several market segments. The report notes the rise of “terminal-based” lottery and “scratch-off” lottery or bingo games, as well as online gaming platforms in regulated jurisdictions. This is competitive with the UK, where online bingo and lottery type games are a huge generator for the wider UK iGaming industry.

Direct revenue generated by Britain’s bingo and lottery sub-sector was just under $1 billion in 2019 before the pandemic. Its licensed and regulated online operators are also leading the charge. UK examples like online bingo at Paddy Power lead the way in covering all the bases with American style 75, 80 and 90 ball action to appeal to a wide range of players. This is likely the path the US iGaming industry will take in the future.

California lottery and bingo operators must compete with instant games

One of the biggest challenges in the lottery market discovered by Technavio is competing with those online platforms that can provide on-demand play 24/7. Although more and more lottery and bingo players are looking to connect and play with reputable providers, land-based lottery sites must look to offer a new kind of gaming experience to differentiate themselves.

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Instead of offering terminal-based instant games in bingo halls, where players will have to travel and venture outside of their comfort zone to enter, providers will need to consider offering enhanced social gaming experiences for players. Fostering interaction and engagement between groups will be essential, as it is the only advantage the land-based game will always have over its online counterpart.

In California, this may simply require the state lottery to alter its revenue distribution somewhat. In the latest figures from the California State Lottery, between 1985 and 2020, the State Lottery funded $37.6 billion for the state’s education sector, with $67.4 billion set aside for its prizes and $4.8 billion and an additional $2.4 billion earmarked for operating expenses and gaming costs, respectively. The organization may need to increase its gaming costs to entice more people to leave their homes to continue playing at bingo halls that have been dedicated communities for decades.

Where will most of the growth in the global lottery industry be generated?

In terms of regional highlights, the lottery and bingo industry appears to be the most mature in the Asia-Pacific (APAC) region. More than a third (36%) of global market growth between 2022 and 2026 is expected to be generated by APAC, with China identified as the hub country to lead the lottery market here. Market growth in APAC will be faster than growth in all other regions with regulated lottery markets.

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In Asia-Pacific, the acceleration of growth would be largely due to the relaxation of government powers, as well as the increase in household disposable income.

Sweepstakes Software Market Size and Forecast

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New Jersey, United States – Contest Software Market The 2022-2029 report has been prepared based on an in-depth market analysis with input from industry experts. The competition software market study sheds light on the significant growth momentum that is expected to prevail during the assessment period 2022-2029. The study offers statistics on key segments in important geographies, along with detailed mapping of the global competitive landscape. Additionally, the market report tracks the global competitions software sales in over 25 high-growth markets, while analyzing the impact that COVID-19 has had on the current industry and the competitions software sector specifically.

Main Drivers and Obstacles:

The high-impacting factors and renderers have been studied in the Contest Software market report to help readers understand the overall development. Additionally, the report includes constraints and challenges that can be stumbling blocks in the players’ path. This will help users to be attentive and make informed decisions related to business. Specialists also focused on future business prospects.

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In its latest report, Verified Market Reports offers a comprehensive overview of the Contest Software Market with a focus on key dynamics including drivers, restraints, opportunities, trends and detailed information on the market structure competition software. Sales of contest software market across the globe will increase with the increasing adoption of R&D activities and advanced technologies. With the outbreak of COVID-19, businesses have become heavily dependent on digital platforms for their survival.

Top Key Players in Contest Software Market Research Report:

Novomatic, Vegas-X, Microgaming, NetEnt, EGT, Playtech, Igrosoft, Amatic

Key Segments Covered in Competitions Software Market – Industry Analysis by Types, Applications and Regions:

Contest Software Market – Type Outlook (Revenue, USD Million, 2017 – 2029)

• Cloud-based
• Web-based

Contest Software Market – Application Outlook (Revenue, USD Million, 2017-2029)

• Large companies
• SMEs

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Scope of the Contest Software Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Regional Analysis For Contest Software Market:

The Contest Software market research report details current market trends, development outline, and several research methodologies. It illustrates the key factors that directly manipulate the market, for example, production strategies, development platforms, and product portfolio. According to our researchers, even minor changes in product profiles could lead to huge disruptions in the factors mentioned above.

➛ North America (United States, Canada and Mexico)
➛ Europe (Germany, France, United Kingdom, Russia and Italy)
➛ Asia-Pacific (China, Japan, Korea, India and Southeast Asia)
➛ South America (Brazil, Argentina, Colombia, etc.)
➛ Middle East and Africa (Saudi Arabia, United Arab Emirates, Egypt, Nigeria and South Africa)

What insights does the Contest Software market report provide readers?

➜ Software fragmentation competition based on product type, end use and region
➜ Comprehensive assessment of upstream raw materials, downstream demand and current market landscape
➜ Collaborations, R&D projects, acquisitions and product launches of each Sweepstakes Software player
➜ Various regulations imposed by governments on the consumption of contest software in detail
➜ Impact of modern technologies, such as big data and analytics, artificial intelligence and social media platforms on the competition software

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Global Online Lottery Market Report 2022-2026 – Online Lottery Market is Lucky and Looking Forward to Incredible Growth – European Gaming Industry News

Reading time: 3 minutes

Global Online Lottery Market to Reach $14.5 Billion by 2026

The global online lottery market, estimated at US$8.7 billion in 2020, is expected to reach a revised size of US$14.5 billion by 2026, growing at a CAGR of 8.7% over the analysis period.

The growth of the global market has exploded in recent years owing to multiple favorable factors such as advancement in technology, increasing digitalization, and increasing disposable income. The online lottery is poised to experience high demand due to the increasing transition to the online platform and the trend of gamification.

The growth of the market is also propelled by rising per capita income, increasing number of dual-income households, and growing interest and adoption from people. Online lottery game providers are investing in digitalization and advanced technology to exploit this lucrative opportunity. Various countries in Europe and Asia-Pacific have supported online sports lottery activities like football, golf, motor racing, soccer, baseball, basketball, boxing and hockey.

The support is expected to present new growth opportunities for the market. Another factor positively influencing the growth is the growing popularity of social media due to the massive penetration of smartphones and the internet. With fewer restrictions compared to conventional marketing approaches, social media has become a popular platform for product promotions and advertising for online lottery providers.

Draw-based online lottery games, one of the segments analyzed in the report, are expected to grow at a CAGR of 8.6% to reach US$7.8 billion by the end of the period analysis. After a thorough analysis of the business implications of the pandemic and its induced economic crisis, the growth of the online sports lotteries segment is readjusted to a revised CAGR of 9.1% for the next 7-year period.

The US market is estimated at $2.3 billion in 2021, while Asia-Pacific is expected to reach $4.1 billion by 2026

The online lottery market in the United States is estimated to be worth US$2.3 billion in 2021. The country currently accounts for a 23.7% share of the global market. Asia-Pacific is expected to reach an estimated market size of US$4.1 billion in 2026 growing at a CAGR of 10.1% over the analysis period. Other noteworthy geographic markets include Europe and Canada, each forecasting growth of 8.2% and 7.2% respectively over the analysis period. In Europe, Germany is expected to grow around 8.3% CAGR.

By Platform Type, Desktop Segment to Reach $7.5 Billion by 2026

The strong position of the desktop segment can be attributed to the wide display of content, the large screen and the quest to learn new technologies. In the global desktop segment (platform type), the United States, Canada and Europe will drive the estimated CAGR of 6.9% for this segment.

These regional markets representing a combined market size of US$2.7 billion in 2020 will reach a projected size of US$4.4 billion by the end of the analysis period. Led by countries such as Australia, India, and South Korea, the Asia-Pacific market is expected to reach US$2.2 billion by 2026, while Latin America will expand to a CAGR of 8.5% over the analysis period.

Main topics covered:

I. METHODOLOGY

II. ABSTRACT

1. MARKET OVERVIEW

  • Impact of COVID-19 on the global lottery industry
  • Effect of the pandemic lockdown on the online lottery market
  • The Massachusetts Lottery is at risk of becoming obsolete due to the COVID-19 pandemic
  • The gaming industry: a prelude
  • Lottery: a key segment of the gaming industry
  • Online lottery: climbing to the top of innovation
  • Global Market Outlook and Prospects: Online Lottery Market is Lucky and Expecting Incredible Growth
  • Online lottery: Gut Punch for some and Perfect Heaven for revenue support for others
  • Growing Importance of Online Lottery in the United States
  • Factors Helping the Online Lottery Market Shift to Strong Gaming
  • Main issues and challenges
  • Adverse public opinion on gambling: a major issue affecting the outlook for the lottery industry
  • Analysis by type of platform
  • Regional analysis: Europe enjoys a frontline position in the global online lottery market
  • Online lottery gains ground in US amid pandemic
  • Increased sales of Michigan iLottery products in Michigan
  • Probable ban on online lottery in Florida
  • Competitive scenario
  • Recent market activity

2. FOCUS ON CERTAIN PLAYERS (Total 58 featured)

  • Limited Schedule
  • Camelot Group
  • International Game Technology PLC
  • Jackpot.com
  • Lotto Agent
  • Lotto Direct Ltd.
  • Loto247
  • LottoKings
  • LotoSend
  • LotosOnline
  • Internet gambling in the UK
  • WinTrillions

3. MARKET TRENDS AND DRIVERS

  • Online Lottery Benefits: Galvanizing Massive Demand
  • Online lottery emerges as favorite gambling pastime with lure of big jackpots
  • Positive aspects of legalized gambling excite the online lottery market
  • Market Outlook Strongly Influenced by Gaming Industry Trends
  • Gambling apps contribute to the growing popularity of online lottery
  • Changing Role of Cryptocurrency Drives Market Adoption
  • Widespread availability of high-speed internet is driving market growth
  • The smartphone emerges as a popular option for participating in the online lottery
  • Increased focus on digitization bodes well
  • Blockchain enables decentralized and transparent operations
  • Big Data steps in to increase online lottery operations
  • IoT emerges as a reliable tool to transform the online lottery market
  • Virtual reality seeks a role in the online lottery field
  • Issues and Challenges
  • Regulatory focus on online gambling cripples momentum
  • Gambling laws in some countries
  • Nationwide bans discourage global expansion
  • Cyberattacks: the red button problem

4. GLOBAL MARKET OUTLOOK

III. REGIONAL MARKET ANALYSIS

IV. COMPETITION

It’s official! Michigan joins the Interstate Online Poker Compact

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illustration of four different colored hands coming together to form a circle

iStockPhoto

I’m happy to announce that Michigan has joined the Multistate Poker Pact, and a large portion of the increased tax revenue from Multistate Poker will go to support K-12 education in Michigan.It’s a big day for Michigan online poker.

Mitten State signed the Multi-State Internet Gambling Agreement (MSIGA)formalizing Michigan’s entry into the interstate gambling pact with Delaware, Nevada and New Jersey.

The addition of Michigan means the player pool of the compact almost doubles — Michigan is the tenth-largest state in terms of population (10.1 million). MSIGA will now have a combined population of 23.5 million people with which to draw shared liquidity to support online poker.

“I am pleased to announce that Michigan has joined the Multistate Poker Pact, and a large portion of the increased tax revenue from Multistate Poker will go to support K-12 education in Michigan” , Henry Williams, Executive Director of Michigan Gaming Control Board (MGCB), said in a statement Monday. “By joining us, Michigan will nearly double the potential pool of participants in multi-state poker games.”

SB 991, a bill sponsored by Sen. Curtis Hertel Jr. (D-East Lansing) and eventually signed into law by Michigan Governor Gretchen Whitmer in December 2020, included verbiage that said the MGCB could make deals for multi-jurisdictional poker.

“Poker players in Michigan will have more options and likely play for more money when they can compete against players from other states,” Hertel said. “I’m glad we were able to make this possible for poker players in Michigan.”

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MI Online Poker operators have work to do

Michigan’s online poker operators — BetMGM Poker MI, PokerStars MI and WSOP MI — must go through several steps to obtain authorization from the MGCB before letting their players into the shared player pool. The requirements were set out in a five-page guidance document the regulator released in March.

The requirements require that the three operators:

  • Meet all the conditions and requirements described in the MSIGA deal
  • Receive approval from MGCB for any new platform or modification of platform, as well as any new remote game system and game software
  • Have their technical security standards reviewed and inspected for new data centers – the MGCB must give written approval for servers capable of receiving bets placed outside of Michigan

the MGCB must ensure that Michigan residents are protected when playing multi-state poker and we will apply the same rigor to reviewing the new offering as we have other internet games.the MGCB added that new vendors, including platform vendors, that will play a role in the multi-state poker offering must obtain internet gaming vendor licenses from the agency. New suppliers may also be required to register with the MGCB. The regulator said new operator or platform provider employees involved in multi-state poker may also need to obtain professional licenses from the MGCB.

“Operators still have work to do before Michigan residents can join multi-state poker games,” Williams said. “The MGCB must ensure that Michigan residents are protected when playing multi-state poker and we will apply the same rigor to reviewing the new offering as we have other internet games.

last April, MGCB Spokeswoman Mary Kay Bean said the regulator declined to comment on how long the approval process is expected to take, or whether operators would be approved one after the other or in tandem.

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‘More states’ could join MSIGAbut probably limited to PA (for now)

Monday’s announcement included the statement that “although the agreement is currently limited to four states, it is possible that other states may join.”

There are currently three other US states that have legalized online poker but are not yet part of it. MSIGA — Connecticut, Pennsylvania and West Virginia. Pennsylvania is often mentioned as a possible MSIGA member and Pennsylvania Governor Tom Wolf’s press secretary said Pennsylvania Gaming Review last month that the state is monitoring the pact’s expansion.

Pennsylvania is also the fifth-largest US state in terms of population, with nearly 13 million people. If the Keystone State joins MSIGAthe player pool could reach 42.5 million.

The path Connecticut and West Virginia must follow to join the pact is a bit more complicated. Both states have smaller populations — 3.6 million in Connecticut and 1.8 million in West Virginia. Their small populations also explain why neither state has an active poker operator.

Although Connecticut legalized online poker in May 2021, the gambling regime does not include verbiage that would allow the state to join a pact like MSIGA. To complicate matters further, the two CT tribal casinos have chosen to partner with DraftKings and FanDuel, two operators that do not use a poker platform.

Despite a groundbreaking partnership announced last month in Ontario that involves two Flutter brands — under which PokerStars would offer online poker and casino games in the province while FanDuel would offer sports betting — a head of Connecticut Department of Consumer Protection (CDCP) said state gaming laws would not permit such an arrangement in that state.

the West Virginia Lottery Commission (WVLC) revealed last summer that he was interested in joining a compact like MSIGA for poker.

Michigan online poker players will join tables with Nevada, Delaware, NJ

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Posted: May 23, 2022, 10:09 a.m.

Last update: May 23, 2022, 10:24 a.m.

Michigan online poker players will soon see more action on the interactive tables. This is after the state officially joined the Multi-State Internet Gaming Association (MSIGA).

Michigan online poker MSIGA iGaming
An online poker player. Michigan online poker players will see more active tables on their online gaming platforms after the state opts to join the multi-state internet gambling agreement with Nevada, Delaware and New Jersey. (Image: Shutterstock)

The Michigan Gaming Control Board (MGCB) today announced that Executive Director Henry Williams has signed the MSIGA agreement to enable online pool sharing across state lines. The pact provides better liquidity to internet gamblers in states where such online gambling is permitted.

Michigan legalized iGaming along with online slots and table games, including poker, in December 2019. But the Gaming Expansion Bill signed by Governor Gretchen Whitmer (D) banned wagering pooled interstate poker games. The Michigan legislature remedied this ban the following year. They passed a law that gave the MGCB the power to determine whether membership in the MSIGA was in the interests of the state and consumers.

Williams concluded that pooling online poker tables with Nevada, New Jersey and Delaware would increase Internet poker participation and therefore generate higher commissions and fees. Michigan’s online gambling taxes primarily benefit public education.

poker pool key

For online poker to thrive, adequate players are, of course, necessary. In smaller states like Delaware, these numbers were insufficient before the state launched the MSIGA in conjunction with Nevada in 2014.

Since then, New Jersey and now Michigan have chosen to participate. The Multi-State Internet Gaming Association, LLC, is a corporation registered in Delaware and operated by state gaming regulators. Williams said that by joining the MSIGA, Michigan will nearly double the “potential participant pool” in multi-state poker games.

Poker, unlike slots and other table games such as blackjack and roulette, is not exactly a substantial revenue generator for online casinos.

In New Jersey, for example, gross iGaming gaming revenue from interactive slots and non-poker table games totaled $1.36 billion last year. Rake and poker fees accounted for $29.9 million.

Michigan does not break down its iGaming revenue by table game.

Robust online poker rooms are seen as iGaming entry channels for newcomers to the internet. According to operators, attracting an online poker player often leads that customer to try an online slot machine or other table game.

Operator dependent launch

The MGCB said in its statement today that iGaming operators will need to meet several regulatory requirements before their poker platforms can connect to tables in the other three MSIGA states. The MSIGA agreement requires the implementation of certain technical security standards and platform changes to enable player sharing across states.

Operators still have work to do before Michigan residents can join multi-state poker games,” Williams explained. “The MGCB needs to ensure that Michigan residents are protected when playing multi-state poker, and we will apply the same rigor to the review of the new offering as we have other internet games.”

Williams did not say when Michigan’s first legal online poker room might open to players from Nevada, Delaware and New Jersey.

Michigan is the fourth state to join the multi-state online poker agreement

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fans of online poker in the Wolverine State are for a treat. The Michigan Gaming Control Commission announced that he had officially signed a multi-jurisdictional poker agreement.

This new contract allows Michigan online poker players to play against players from Delaware, Nevadaand New Jersey.

There are still a few procedural steps to take. However, the Executive Director of MGCB Henry Williams noted if the State World Series of Poker (WSOP) is ready in time players would be allowed to participate in next week’s NJ & NV bracelet events.

Michigan Online Poker Basics

So far there are three online poker operators in Michigan.

  • BetMGM Poker – MGM Grand Detroit
  • WSOP – Grand Traverse Band of Ottawa and Chippewa Indians
  • PokerStars – Small Groups of Odawa Indians in Traverse Bay

Following the signing of the deal, Williams had this to say:

“I am pleased to announce that Michigan has joined the Multi-State Poker Pact, and a large portion of the increased tax revenue from Multi-State Poker will go to support K-12 education in Michigan. By joining us, Michigan will almost double the potential pool of participants in multi-state poker games.

As for the launch of multi-state online pokeroperators must respect a five-page set of guidelines before receiving approval from the gaming commission.

“Operators still have work to do before Michigan residents can join multi-state poker games. The MGCB needs to ensure that Michigan residents are protected when playing multi-state poker, and we will apply the same rigor to reviewing the new offering as we have other internet games,” Williams said.

About the Multi-State Poker Agreement

The Multi-State Internet Gambling Agreement (MSIGA) allows online poker to be played across state lines. For now, only the WSOP uses this option in the three states and soon in Michigan as well.

Delaware, Nevada, and New Jersey have been part of this collective since 2017. The inclusion of Michigan means increased liquidity and larger player pools.

Following the announcement, Senator Curtis Hertel said:

“Michigan poker players will have more options and likely play for more money when they can compete against players from other states. I’m glad we were able to make this possible for Michigan poker players. .

Hertel sponsored SB-991, which amended the Internet Gaming Act to allow “multi-jurisdictional” gaming. The bill was then passed into law by Governor Gretchen Whitmer in 2020 and has become effective on March 24, 2021.

Booming Games, ELK and Microgaming release new titles in May

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The Slotegrator Partner Network is adding over 25 new games this month, all of which can be integrated into online casinos in a single session using APIgrator.

Booming Games, ELK and Microgaming are among the developers with new titles available this month via the APIgrator Slotegrator solution. New games from Amatic, BGaming and Spinomenal are also available for single-session integration via the game aggregator.

Operators who have already integrated APIgrator into their platform can simply notify Slotegrator’s business managers that they wish to activate the new games. New titles are the most popular among gamers when first released, so operators need to act quickly to update their game portfolios.

Spring is a time of rebirth, making it a poetic coincidence that two of this month’s titles feature the mythical phoenix – Phoenix Graveyard, by ELK, and Tom Horn’s Dragon vs. Phoenix.

It’s also a good month for players looking for something a little more classic. 777 Surge from Microgaming, Juicy Gems from Evoplay, Glowing Fruits from Spinomenal, 20 Bulky Fruits from EGT and Gambelicious Hold and Win from Booming Games offer plenty of 7s, bells, gems and fruits for players who prefer to play slots the old one.

Amatic’s Bounty Bonanza delivers western thrills, Booongo’s Magic Apple 2 immerses players in the classic fairy tale of Snow White and the Seven Dwarfs, and Pragmatic Play’s The Great Stick Up puts players in the middle of an old fashioned bank robbery.

A total of 28 new titles are available through APIgrator this month.

APIgrator is a game aggregation protocol that integrates a wide variety of games into an online casino platform in a single integration session. The protocol, which includes more than 5,000 games from more than 75 developers, is constantly updated with new development studios and new titles, including slots, table games, games with live dealers and virtual sports.

APIgrator is the most cost-effective game aggregation solution on the market. It offers licensed games in almost every jurisdiction in the world.

10 Frequently Asked Questions About Microgaming Sites

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Below are the most asked questions about Microgaming sites like Zodiac Casino and the answers you might be looking for.

Are they safe and legal?

Yes and yes. Microgaming sites are generally safe. Thus, it is essential to remember that there is always a risk of fraud when gambling online. Therefore, it would be best if you only play on reputable sites that have been in operation for a long time.

Additionally, you should never provide personal or financial information to anyone online.

Microgaming sites are also legal in most jurisdictions, but online gambling is still illegal in some places. Therefore, it is crucial to check your local laws before playing on any site.

Is there an age limit?

Yes, most sites have age restrictions. For example, you will generally need to be 18 or older to play on a Microgaming site. Additionally, you may need to provide identification to verify your age.

Do you need to download something?

You don’t need to download anything to play on a Microgaming site.

However, you may need to install Adobe Flash Player to play some games.

Also, you may need to have a fast internet connection to play the games smoothly.

Terms and minimum deposit required?

Most Microgaming sites accept a variety of payment methods, including credit cards, debit cards, e-wallets, and bank transfers. You will need to check with the site to see what methods are available.

The minimum deposit varies from site to site. You will need to check with the Microgaming site to see the minimum deposit.

However, it is usually between $20 and $50. Additionally, you may need to provide credit card information or make a deposit using an e-wallet service.

How and when can you receive my winnings?

You can withdraw your winnings at a Microgaming site. However, you may be required to pay a fee or meet specific requirementslike betting a certain amount of money, before doing so.

Also, the time it takes to receive your winnings depends on the payment method you used. For example, if you deposit with a credit card, you can receive your winnings within days.

However, if you made a deposit using an e-wallet service, you can receive your winnings within 24 hours.

What is the maximum withdrawal you can make?

The maximum withdrawal also varies from site to site. Again, you’ll need to check with the Microgaming site to see the details. Additionally, some payment methods may have maximum withdrawal limits that you must meet to use them.

Do you need to pay taxes on my winnings?

It depends on the country you live in. First, you should check with your local tax authority if you are liable to pay tax on your winnings. Additionally, some Microgaming sites may withhold taxes from your winnings before sending them to you.

However, there are some fees you should be aware of when playing at a Microgaming site. These include transaction fees for deposits and withdrawals, currency conversion fees, etc. But, again, you’ll need to check with the site to see what fees apply to your account.

Is there customer support available?

If you have a problem with a Microgaming site, you should first contact customer support. Most of them have customer service representatives who can help you solve your problem.

Customer support on Microgaming sites is generally exceptional. Most sites offer live chat, email, and phone support. Additionally, many sites have FAQ sections that can provide you with answers to common questions.

Can you play for free and anonymously?

Yes and no. Most Microgaming sites offer a free trial period. This allows you to test the games and see if you like them before making a deposit.

Additionally, many sites offer bonuses and promotions to help you save money on your deposits.

But, you cannot play anonymously on a Microgaming site. You will need to provide your personal information, including your name, address and date of birth.

Additionally, you may need to provide credit card information or make a deposit using an e-wallet service.

Is Microgaming addictive?

No, Microgaming is not addictive. However, like any form of gambling, it is essential to gamble responsibly and within your budget.

If you think you are risking more than you can afford to lose, or if gambling is having a negative impact on your life, we recommend that you seek help from a professional organization such as Gamblers Anonymous.


APAC, Europe, America (Region) Leads Online Poker Games Market Forecast 2021-2026

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The research report on Online Poker Game market Size provides a thorough assessment of this business vertical. As per the study, the market is predicted to accumulate significant revenues and showcase a substantial growth rate during the estimated timeframe.

The document highlights the key industry trends while elaborating on the growth opportunities, sales volume, market size, and revenue estimations. Crucial insights pertaining to the growth avenues along with various market segmentations are described in the report.

The study also assesses the impact of COVID-19 pandemic on the profitability matrix of the Online Poker Game market.

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Citing the regional scope of the Online Poker Game market:

The report delivers a granular analysis of the geographical landscape of the Online Poker Game market and divides the same into North, Europe, Asia-Pacific, South America, Middle East and Africa.

  • Vital data such as the yields generated by all the listed regions along with their respective market share are enlisted.
  • The growth rate and revenue estimates of each region over the forecast period are mentioned in the document.

Key Points of the Online Poker Games Market Report:

  • A comprehensive assessment of the online poker games market competitive arena is provided in the report focusing on market players such as 888 Poker, Playtika, Youda Games, Tapinator, Zynga, Appeak, Suprema Poker, Gazeus Games , Octro, Bwin, Microgaming, Betconstruct. , GammaStack, Softgamings, SBTech, EveryMatrix, Scientific Games, Evolution Gaming, NetEnt, BetSoft, Tencent and Boyaa Interactive.
  • The information related to the products developed by the leading companies and their respective application area are mentioned in the study.
  • Additional information such as market position as well as revenue generated by each company is required.
  • The study also highlights the pricing model as well as the profit graph of each company listed.
  • According to product type, the document divides the online poker games market into Texas Holdem, Omaha, AoF, 5-Card Draw, 7-Card Stud, Pineapple, and others.
  • The details regarding the industry share of each product fragment are cited in the report.
  • The document also analyzes the revenue generated as well as the sales model of each type of product.
  • Elaborating on the spectrum of applications, the document divides the online poker games market into gambling and entertainment.
  • Crucial information regarding accumulated returns as well as sales volume of all listed apps during the study period is highlighted in the report.
  • The document provides data related to business-centric attributes such as marketability rate as well as market concentration rate.
  • The marketing strategies implemented by the industry juggernauts are also investigated in the study.

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How to Negotiate Credit Card Debt

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders, all opinions are our own.

If you’re drowning in credit card debt, you may be able to settle with your creditors for less than you owe. Learn how to negotiate credit card debt. (Stock)

There’s no doubt about it — Americans love their credit card. Specifically, they love using these credit cards.

The average consumer had just over $5,200 in credit card debt in 2021, with credit card debt in the United States totaling $784.5 billion, according to Data from Experian.

Since high credit card indebtedness often creates a significant financial burden on households, what can credit cardholders do to alleviate this debt? One option is to negotiate your credit card debt to a lower level than you currently owe.

Here are some options for negotiating credit card debt, as well as other ways to manage your debt.

Consolidating high-interest debt with a personal loan is one way to manage credit card debt. Credible, it’s easy to view your prequalified personal loan rates from various lenders.

3 Options for Negotiating Debt Settlements and Agreements

Credit card companies can and do negotiate card debt with customers. To start the negotiation process, contact your credit card issuer directly to discuss your options.

Keep in mind that negotiating your credit card debt will likely have a negative effect on your credit. But any credit you gain from negotiating a credit card will likely be less damaging or lasting than other options, such as default or bankruptcy.

You have three main options for negotiate credit card debt. Which one is best for you will depend on your particular financial situation.

Hardship Agreement

When the going gets tough and you lose a job, get sick, or lose the ability to pay your credit card debt, it’s worth asking your credit card company if they offer a hardship plan.

With a credit card hardship agreement, your credit card issuer can suspend your payments or reduce your interest for a specific period of time. Once the crisis is over, you can start paying your credit card debt again according to the original terms set out in your credit card agreement.

  • Best for — Those who have fallen on hard times and need to temporarily suspend credit card payments
  • Disadvantages — Can be hard to find and even harder to negotiate, as not all creditors offer a hardship option

Lump sum payment

Another option if you’ve fallen behind on your credit card payments is to negotiate a lump sum settlement with your credit card company.

For example, if you owe an overdue balance of $5,000 on your credit card and let your card issuer know that you can pay $4,000 to settle the debt immediately, the credit card company can approve the settlement – as long as you follow through and make the agreed payment.

Note that your credit score may be affected by a lump sum payment agreement. Credit reporting agencies may record the payment as a partial payment and you will not pay the full amount owed on the credit card debt. Settled accounts can remain on your credit reports for up to seven years, but your score may recover.

  • Best for — Those who have cash on hand to settle large debts
  • Disadvantages — If you’re in a cash flow rut, it’s not easy to come up with thousands of dollars in cash to pay off a lump sum debt

5 WAYS TO IMPROVE YOUR CREDIT SCORE

Training agreement

You may be able to talk to your credit card company about a practice agreement, where your lender will renegotiate your terms. Credit card providers may agree to lower your interest rate or minimum payment amount as long as you meet the new payment terms.

By “doing” a deal, credit card companies get some of their money back.

  • Best for — Those who need time to get back on their feet financially
  • Disadvantages — Your lender may not want to negotiate a reorganization agreement

How to Negotiate Credit Card Debt

If you’re ready to negotiate your credit card debt, follow these steps:

1. Know where you stand

Don’t go into a credit card negotiation without knowing where you stand. Make sure you know the total amount of your credit card debt, your interest rate, and the minimum monthly payment amount. Read the fine print of your card contract before contacting your credit card company. This will let your card issuer know you’re serious about a deal and can improve your chances of a successful negotiation.

2. Check your options

Review the different credit card settlement options – a hardship plan, lump sum settlement, or sparring agreement – and decide which is right for you. If in doubt, consider talking to a credit counselor who can point you in the right direction.

3. Contact your credit card company

Once you have your credit card trading strategy in place, contact your credit card issuer and ask about their debt settlement or loss mitigation service. In general, a customer service representative is not the best person to discuss a settlement agreement with – you will need to speak to a manager or a debt settlement specialist.

4. Take notes and write everything down

Take thorough notes and use this information as leverage to make your point.

If you reach an agreement, ask your credit card company to officially confirm the terms of your negotiation in writing, either by e-mail, fax or by sending you a letter. Once you receive the documentation in writing, read it carefully. If anything seems off, contact your credit card company to resolve the issue.

If you’ve decided that a personal loan to consolidate your credit card debt is right for you, visit Credible for view your prequalified personal loan rates in minutes.

Why creditors may be willing to negotiate

Credit card companies may be willing to negotiate your credit card debt for several reasons :

  • Something is better than nothing. Credit card companies are open to negotiating debt because getting some of their money back is a better option than getting nothing back.
  • They don’t want to lose you as a customer. Good customers who are struggling financially can bounce back and start making regular payments again. Card issuers know this and are often willing to work with customers with temporary cash flow problems.
  • No warranty options. Since credit cards are an unsecured form of credit that does not require you to post collateral, a credit card company may be willing to negotiate with you as they are unable to take collateral if you do not make your payments by credit card. .

HOW OFTEN DOES YOUR CREDIT SCORE CHANGE?

Other Credit Card Debt Solutions

If you are unable to negotiate your credit card debt or if your card issuer does not offer any settlement options, there are other ways to manage credit card debt at high interest.

Balance transfer credit card

If you have high-interest credit card debt but decent credit, you may be able to transfer a high credit card balance to a new credit card with a 0% introductory APR. By transfer your credit card debt to a new cardyou can pay off your existing debt without accruing interest.

But keep in mind that if you don’t pay off the balance on the new card in full at the end of the promotional period, you’ll start earning interest at the card’s regular rate. It is important to consider some pros and cons of a balance transfer credit card before signing up:

  • Pro — With no interest payable during the introductory rate period, all of your card payments go towards paying off the balance, giving you the opportunity to pay off your debts faster.
  • Con — Balance transfer card transactions can come with a hefty balance transfer service fee, often 3% to 5% of the transferred amount.

Personal loan for debt consolidation

Another option for paying off credit card debt is to take out a Personal loan. You can pay off your credit card debt with the funds from the loan and then you will start making payments on the debt consolidation loan. These loans typically come with lower interest rates than credit cards, which can help you save money over time.

  • Pro — You will have fixed monthly payments and a fixed end date for the repayment of the loan.
  • Con — Once you use a personal loan to cover your credit card debt, you still have to repay your personal loan. Make sure monthly payments are within your budget so you don’t miss any payments, which could hurt your credit.

Credible allows you compare personal loan rates from multiple lenders, all in one place. And it won’t affect your credit score.

AP’s online lottery offers ‘Price Is Right’ and other new games

Bob Barker. The great wheel. Showdown Showcase. Dollar auction. Plinko.

For most people, the mere mention of The price is right creates a flood of familiar images. The iconic Game To display has been on air since 1972entertaining audiences for five decades and more.

And now the Pennsylvania Lottery borrows the brand to bring a little more fun to state scratch tickets and PA iLottery games.

The Price is Right, a new online lottery match-style game, features images and many other elements from the legendary series. Players can win up to $300,000with prices that can multiply the total gain up to ten times. A Autoplay option allows users to play up to 20 laps. And there are also two different bonus games that can be unlocked.

Up to $500 bonus on first deposit!

Instant Winning Games!

bonus codes: PLAY20

The Price is Right joins the PA Online Lottery

One of the game’s bonuses is a Ferris wheel multiplier that can increase yields in five different ways (2x, 3x, 5x, 8x and 10x). There are also two bonus games based on the game show staples, Plinko and cliff hangers.

At Plinko, the bonus is activated when at least three symbols appear during the game. Players can receive three, four or five turns. Each round, a token falls on the famous board and the players receive the total on which it lands.

The Cliff Hangers bonus is also activated when at least three of these symbols appear during the game. The maximum multiplier amount varies depending on the number of symbols that appear:

  • Three: 50x the amount of the game
  • Four : 250x the amount of the game
  • Five: 500x the amount of the game

During each Cliff Hanger bonus round, a yodeler will head up the mountain. If the yodeler lands on a white dotplayers will receive the price indicated on this point.

And like on the show, if the yodeler falls off the cliff, the game ends.

New lottery players can take advantage of several offers by registering for the PA online lottery today. You will get a $20 bonus before filing, and until another $500 through a deposit match.

The new title even includes a Quick play coupon promotionwhere you receive a $10 Fast Play coupon after playing $50 on The price is right.

New online games and scratch tickets from PA Lottery

If The Price is Right doesn’t catch your eye, there are also a number of other new PA Lottery games.

Here is a brief overview of the new titles:

New PA Lottery Online Games

Bucks in flowers

A connect style online game with a chance to multiply the total won up to five times. In the flower-themed game, players can also unlock up to five free games and two bonus games (the picnic basket and money tree). The amount of the game varies from $0.50 to $30.

cash booster

A style collection online game with a chance to multiply the total won up to 10 times and a maximum prize of $300,000. The amount of the game varies from $1 to $30. Players can boost their win by 2x, 5x or 10x and an autoplay feature allows them to play 5, 10, 15 or 20 games in a row.

New PA Lottery Scratch Games

instant lottery

A $10 scratch game with ten first prizes $500,000. The game features six winning numbers (dollar symbols) and 15 money bags that will eventually reveal your numbers. In addition to the big prizes (amounts of $500,000, $10,000, $1,000, $500, $400, $200), the game also offers lower payouts and a “lottery” symbol that can offer the 15 prizes.

Hot red rash

The $5 The scratch ticket features five flames which are the winning numbers and 12 dollar signs which represent your numbers. This game offers 10 first prizes of $200,000. A “hot” symbol adds $20 to your win and a “blowout” symbol wins the 12 prizes.

Find $50

The $2 scratch game promises 10 first prizes of $20,000. Two stars represent winning numbers and players will scratch to reveal eight numbers hidden behind dollar signs. A $50 symbol wins 50 dollars instantly. A magnifying glass symbol provides the eight total prizes. In addition to jackpots, this game offers 40 price of $1,000 and smaller amounts too.

LuckyX5

The $1 scratch ticket features 10 first prizes of $5,000. If a “lucky” symbol appears, players win the prize that is displayed. An “X5” symbol multiplies the total prize by five. This game will also provide 30 payments of $1,000 in addition to other prizes.

Whether you’re basking in the familiar nostalgia of The Price is Right or one of the other new games, the PA Lottery has plenty of ways to keep you entertained in the weeks ahead.

You can play a version of Plinko, frolic in some Bloomin’ Bucks, or maybe even get lucky five times. There are many ways to play. And lots of ways to win too.

Photo by: Associated Press/Damian Dovarganes

Online poker revenue holds steady ahead of summer months

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April earnings reports were promising across the board for the regulated U.S. online poker the operators. Online poker revenue reports showed consistency, staying close to March’s strong numbers.

PokerStars, partypoker american networkand WSOP.com are planning big summer tournaments with plenty of action in store for online players. In the United States, online poker is currently live and legal in the following states:

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New Jersey Online Poker Hits $2 Million Mark

In total, Garden State online poker sites published $2.2 million in April. The New Jersey Division of Gaming Enforcement (NJDGE) reports state results monthly.

The industry lost about $300,000 from March numbers. New Jersey currently has three online poker operators, including:

The Partypoker network has been the number one poker operator for three consecutive months. The company reported $805,128 for April, compared to $981,831 the previous month.

The operator recently launched the BetMGM Poker Championshipwhich is heading towards Aria in Vegas in June. The company is currently hosting satellites in each state, awarding up to 15 tournament packages in each state.

WSOP.com also saw a small month-over-month decline, reporting $788,798. Until Michigan joins the ranks, the site remains the only operator offering shared liquidity with Nevada and 888poker in Delaware. No updates have yet been released on a merged Michigan market.

The site pushes its monthly Online circuit series. All eligible circuit winners get a spot in the $1 million freeroll Tournament of Champions event, scheduled for July 18.

PokerStars has seen monthly growth in the state. The stars showed $661,006 for April, compared to $641,860 in March. The growth was a reflection of the popular Spring Championship of Online Poker (SCOOP) series. Currently, PokerStars runs the Bounty Builder Series in its three markets.

In New Jersey live poker stage, only three theaters are open in Atlantic City, including:

  • Borgata (offers weekly tournaments)
  • Harrah
  • Tropicana

No plans for guaranteed multi-day live events have been announced.

NJ Online Gambling Maintains Strength

April once again showed strong numbers for New Jersey online casinos and their partners, reporting $136.9 million In income. It’s a 27% increase compared to the same period last year.

The Borgata/BetMGM brand has been king for 14 consecutive months. BetMGM continues to be the best operator in the state and has shown $39.9 million for the month.

Gold nugget closely followed with $38.1 million. Resorts again held on to third place and posted $29.1 million.

According to the NJDGE, the overall gambling revenue reported by the casino, racetracks and partners was $422.5 million for April. That’s a 20% increase from $352.2 million in April 2021.

Gaming taxes account for 8% of gross taxable casino revenue and 15% of gross Internet gaming revenue.

PA Online Poker Ends Just Under $3 Million But Sets Game Record

Pennsylvania continued to hold the top US state for online poker revenue and was also up 22% year over year in iGaming. Keystone State reported poker revenue of $2.9 million for April, down a bit from March’s $3.2 million.

The Commonwealth currently has three online poker choices:

  • PokerStars
  • partypoker US Network via Borgata Poker and BetMGM skins
  • WSOP.com

PokerStars remained roughly even for the month, reporting $1.8 million. Stars partners with Mount Airy Casino and continues to be the leading operator in the state.

WSOP.com, partner of Harrah’s Philadelphia, was down from the $918,959 reported in March. For April, the site posted a total of $770,756.

The platform is not part of the combined New Jersey and Nevada player pool. The site continues to offer monthly online circuit series each month and will also be hosting online bracelet events this summer.

Partypoker US Network (BetMGM/Borgata Poker) is a common pool of players via partners Casino of the rivers and Penn National. The company was down slightly for the month and showed a result of $257,019.

Internet gaming in Keystone State has broken another record. The Pennsylvania Gaming Control Board (PGCB) reported aggregate revenue of $113 millionwhich broke last month’s record of $110 million.

Total March gaming revenue (online and live) was $461.6 million. The state recorded annual growth of 14.2%. According to the PGCB, April iGaming taxes alone were $47.2 million.

PA Poker Rooms Host a Series of Live Tournaments

Pennsylvania tournament players continue to see guaranteed big monthly tournaments. Here is an overview of live poker rooms open in Pennsylvania:

  • Parx Casino
  • Mohegan Sun Pocono
  • Mount Airy Casino Resort
  • Rivers Casino Philadelphia
  • Rivers Casino Pittsburgh
  • Meadows Racecourse and Casino
  • Philadelphia Live Casino
  • Wind Creek Bethlehem
  • Pittsburgh Live Casino

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Online gaming and poker thrive in Michigan

Michigan online poker continues to grow in the state. the Wolverine State broke another iGaming record in April. According to the Michigan Gaming Control Board (MGCB), online casinos and poker have introduced $132.4 million In income. That broke the previous monthly record of $131 million in March.

Online poker revenues are not reported separately, the report includes the combination of poker and online games. There are now three online poker operators in the state, including:

  • PokerStars
  • BetMGM (part of the American partypoker network)
  • WSOP.com

BetMGM also hosts satellite seat giveaways in Michigan. Players can win a place in Las Vegas this summer.

PokerStars finished the very first MISCOOP series and now also runs a Bounty Builder series. WSOP.com has launched the state’s first series of online circuits and is already attracting some great pitches. The site continues to hold monthly circuit events.

In other Michigan iGaming news, BetMGM had its best month yet and showed gross receipts of $49.9 million. FanDuel posted $21 million.

Total gaming operators produced $24.7 million in tax revenue and in local share to the State of which:

  • Taxes and Payments on Internet Gambling – $24.3 million
  • Taxes and Payments on Internet Sports Betting – $944,006

Several Michigan brick-and-mortar live poker rooms are open at casinos across the state, including charity rooms:

  • MGM Grand Detroit
  • Motor City Casino
  • Greek Town Casino
  • Odawa Petoskey Casino
  • Fire Keepers Casino
  • Island resort and casino

The Mid-States Poker Tour also recently announced a stop at FireKeepers in Battle Creek. The series offers a guaranteed million dollar event in May.

Delaware poker revenue, iGaming hit $1 million again

Online poker in first state reached $35,051 for online operators, down slightly from March’s $36,050.

For the second month in a row, the state reported online gaming revenue of more than $1 million. According to Delaware LotteryiGaming showed a network of more $1.2 million. New player registrations were strong with 841 in March.

In Delaware, 888poker operates three different skins in partnership with Delaware Racetrack Casinos, including:

  • Delaware Park
  • Bally’s Dover
  • Harrington Casino and Racecourse

Delaware Park experienced monthly growth with a report of $20,165. The online poker site continues to hold the top spot each month in the state for online poker for 2022.

Delaware Park is the only live poker room open in the state and is currently looking for dealers. The property offers $500 signing bonuses for those who can cast cards.

Sports Betting Software Market Size, Trends and Forecast to 2029

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New Jersey, United States – the Sports betting software market The report includes the upcoming challenges and opportunities in the market. It ensures a strengthened market position and a growing product portfolio by providing all the important details related to the market growth. It reveals some of the key insights and focuses on the impact of the COVID-19 crisis on different sectors of the economy. Identifying key business areas is the single most important factor in improving those areas and generating greater profits. This living market research provides an in-depth understanding of how new product offerings can fit into the market. It acts as the best guide and plays the leading role in almost all phases of the business cycle. It also becomes easy to effectively target customers to easily launch new products. This sports betting software market reports another key focus is to provide manufacturing solutions at all provincial and global levels.

A comprehensive overview of market conditions and various business-related elements is covered in this Sports Betting Software market research report. It enables business actors to reach target groups and provides all important details about customers and competitors. Quantitative research methods are used to conduct this market research to provide accurate market data and problem solving. The Sports Betting Software Market report helps to identify major regions such as Asia-Pacific, North America, Europe, Middle East, Africa and Latin America where new actors and merchants can develop their activities. Moreover, it performs in-depth analysis and provides market size, market dynamics, and market share.

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Also, the market share of each industry over the forecast period is discussed. This market report also provides insights on industry dynamics, market share, growth prospects and challenges. It also conducts market research to determine the growth models, approaches, and techniques used by key players. The most important statistics in the industry trends report provide the ideal reference for businesses. Apart from company profile, capacity, production rate, product value and specifications, the report covers other important parameters.

Key Players Mentioned in the Sports Betting Software Market Research Report:

Playtech, Microgaming, Betconstruct, Softgamings, Betsys, BetRadar, SBTech, Digitain, GammaStack, EveryMatrix.

Sports Betting Software Market Segmentation:

Sports Betting Software Market, By Type

• On the site
• Cloud-based

Sports Betting Software Market, By Application

• Online Bookmakers
• Game operators

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Scope of the Sports Betting Software Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Answers to key questions in the report:

1. Who are the top five players in the sports betting software market?

2. How will the sports betting software market develop in the next five years?

3. Which product and which application will capture the lion’s share of the sports betting software market?

4. What are the Sports Betting Software Market Drivers and Restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the sports betting software market throughout the forecast period?

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Verified Market Research® is a leading global research and advisory firm that for over 10 years has provided advanced analytical research solutions, personalized advice and in-depth data analysis to individuals and businesses seeking accurate research, reliable and up to date. data and technical advice. We provide insight into strategic and growth analytics, the data needed to achieve business goals, and help make critical revenue decisions.

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At Verified Market Research, we help in understanding holistic market indicator factors and most current and future market trends. Our analysts, with their deep expertise in data collection and governance, use industry techniques to gather and review data at all stages. They are trained to combine modern data collection techniques, superior research methodology, subject matter expertise and years of collective experience to produce informative and accurate research.

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Strategies for Paying Off Credit Card Debt Before Interest Rates Rise

Interest rates are expected to rise again, making this a good time to pay off high-cost credit card debt as soon as possible.

Annual percentage rates on credit cards are currently just over 16%. Given that the Federal Reserve is in a rate-hike cycle, with half-point increases on the table for every remaining meeting this year, APRs are likely to rise.

They could even exceed the current record of 17.87% set in April 2019.

Learn more about Investing in You:
What consumers plan to cut if prices continue to rise
Inflation could negatively impact Americans’ long-term goals
As Inflation Hits Small Businesses, Here’s How They’re Reacting

This could pose a problem for Americans with unpaid bills. Credit card balances hit $841 billion in the first three months of the year, according to a report from the Federal Reserve Bank of New York. During the same period, 229 million people opened new credit card accounts, an increase from the previous quarter.

“The biggest key to getting out of credit card debt is not paying high interest on that debt,” said personal finance expert Suze Orman.

Look for lower interest rates

One of the first steps Orman advises anyone looking to reduce their credit card debt is to see if you can lower your interest rates.

This will help you pay off your debt faster and ensure that more of your money goes to paying off what you owe, instead of earning interest.

There are several ways to do this, such as a balance transfer to another credit card with 0% interest rate for a certain period, taking out a personal loan with a lower interest rate to pay off your credit balance or working with a credit counselor to consolidate your debts with a lower rate.

These options will depend on your personal situation and credit score, Orman said. For those with lower scores, she recommends contacting the National Foundation for Credit Counseling for help lowering your interest rate and getting a payment plan.

Choose a method

According to John Scherer, a certified financial planner and founder of Trinity Financial Planning in Madison, Wisconsin, if you’re going to pay off debt while keeping your cards open, there are generally two methods people use to clear a balance.

The first is to round up all your outstanding debts by balance and pay off the smallest first.

“Then you get momentum,” Scherer said. “You see some of these things falling off the books, and it feels really good.”

The second model, which Scherer says is what he personally recommends to clients, is to look at all your outstanding debts and pay off the one with the highest interest rate first. Over time, this means you’ll pay less money to eliminate your debt because you’re tackling the highest interest rates right away.

Orman also recommends this approach. It says to round up your credit card debt and add up all minimum payments due each month. From there, add 20% or more to your total payment and apply it to the debt with the highest interest rate. Once that’s paid, transfer that extra payment to the next card, then to the next until it’s all cleared.

Build up personal savings

“What you might want to do is take all your credit cards, put them in a plastic bag and put them in the freezer,” says personal finance expert Suze Orman.

studio casper | Istock | Getty Images

The mobile gaming market is ready for more growth: Microgaming, Ladbrokes, Betfair, Unibet, 888 Holdings

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This press release was originally issued by SBWire

New Jersey, United States — (SBWIRE) – 05/13/2022 – The latest market research released on the Global Mobile Gaming Market provides insight into the current market dynamics in the mobile gaming space, as well as what our survey respondents – all Outsourcing makers – predict the market will look like in 2027. The study analyzes the market based on revenue and volume (if applicable) and price history to estimate the size and analysis of trends and identify gaps and opportunities. Some of the players covered in the study are 888 Holdings (Spain), Bet-at-home.com (Germany), Bwin.Party (UK), Ladbrokes (UK), Betfair (UK), Unibet (Malta), William Hill (UK), Microgaming (UK), RabCat (Austria), Ganapati Gaming (Malta), etc.

The explored study is a perfect blend of qualitative and quantitative market data collected and validated mainly through primary data and secondary sources.

Sample Free Report + All Related Charts & Graphs @: https://www.advancemarketanalytics.com/sample-report/15840-global-mobile-gambling-market

Definition of the mobile game market:
Mobile Gambling is nothing but an online casino, where players can play games and have chances to win money. Many casino apps are available online and can be played with tablets, computers and smartphones. Launched after 2013, a large number of casino operators have ventured into mobile gaming applications to gain maximum market share. It offers players the ability to play from anywhere at any time.

In the latest edition of this report, you will be entitled to receive an additional chapter/commentary on the latest scenario, economic downturn and the impact of COVID-19 on the overall industry. Furthermore, it will also provide qualitative insights on when the industry might get back on track and what possible steps industry players are taking to address the current situation. Each of the segment analysis charts for the forecast period also has a high % impact on growth.

This research is categorized differently considering the various aspects of this market. It also assesses the future situation considering the company’s project pipelines, long-term agreements to derive growth estimates. The forecast is analyzed based on the volume and revenue of this market. The tools used to analyze the Global Mobile Gambling Market research report include SWOT analysis.

Influential trend:
– Online gambling applications resulting in increased government revenue in the form of taxes
– Provision of cash alternatives

Challenges:
– Unreliable payments and security
– Authentication difficulties

Opportunities:
– Opportunities in emerging economies
– Availability without constraints of time and place

Market Growth Drivers:
– Increased customer spending capacity
– Increased adoption of mobile gaming among younger population
– Relaxation of government regulations

Regulatory information:
The Indian government has outlined Foreign Direct Investment (FDI) in the e-commerce sector in India. The FDI has restricted lottery activity, including government or private lottery, online lotteries, and gaming and betting, including betting clubs. Furthermore, the central government of India has refused to take legal action on the legality or wrongdoing of online deceptions and mobile/online games in India.

The global mobile game segments and market data breakdown are illustrated below:
by Type (Online Betting (Horse Racing, Football, Boxing, Others), Online Casino (Blackjack, Baccarat, Roulette, Slots, Others), Online Lottery, Online Poker (Texas Hold’em, Pot-Limit Omaha, Seven-Card Stud, others), others), platform (smartphones, tablets, cellphones), end user (gaming enthusiasts, social exuberants, dabblers)
….
….

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The regional analysis of the Global Mobile Gaming Market is considered for the key regions such as Asia-Pacific, North America, Europe, Latin America and Rest of the World. North America is the first region in the world. Whereas, due to the increase no. research activities in countries such as China, India, and Japan, the Asia-Pacific region is also expected to show a higher growth rate during the forecast period 2021-2027.

Report Highlights:
– A comprehensive background analysis, which includes an assessment of the parent market
– Significant changes in market dynamics
– Market segmentation down to the second or third level
– Historical, current and projected market size from a value and volume perspective
– Report and assessment of recent industry developments
– Market shares and strategies of key players
– Emerging niche segments and regional markets
– An objective assessment of the trajectory of the market
– Recommendations to companies to strengthen their presence in the market

Strategic Points Covered in Table of Content of Global Mobile Gaming Market:
Chapter 1: Introduction, Product Market Driving Force Study Objective and Research Scope of Mobile Gaming Market
Chapter 2: Exclusive Summary – the basic information about the mobile game market.
Chapter 3: Displaying Market Dynamics – Drivers, Trends and Mobile Gaming Challenges and Opportunities
Chapter 4: Introducing the Mobile Gaming Market Factor Analysis, Porters Five Forces, Supply/Value Chain, PESTEL Analysis, Market Entropy, Patent/Trademark Analysis.
Chapter 5: Product Display by Type, End User and Region/Country 2015-2020
Chapter 6: Evaluating the leading manufacturers of Mobile Gaming Market which includes its Competitive Landscape, Peer Group Analysis, BCG Matrix and Company Profile
Chapter 7: To assess the market by segments, by countries and by manufacturers/company with revenue share and sales by key countries in these various regions (2021-2027)
Chapter 8 & 9: Viewing the appendix, methodology and data source

Finally, Mobile Gambling Market is a valuable source of advice for individuals and businesses.

Get more information: https://www.advancemarketanalytics.com/reports/15840-global-mobile-gambling-market

Answers to key questions
– Who are the leading key players and what are their key business plans in the Global Mobile Gaming Market?
– What are the key concerns of the Five Forces Analysis of the Global Mobile Gaming Market?
– What are the various prospects and threats faced by the dealers in the Global Mobile Gaming market?
– What are the strengths and weaknesses of the main suppliers?

Ultimately, this report will give you an unequivocal perspective on every market reality without the need to hint at any other research report or news source. Our report will give you all the realities of the past, present and eventual fate of the relevant market.

Thank you for reading this article, we can also provide a customized report according to specific business needs. You can also get separate chapter wise or region wise report versions including North America, Europe or Asia.

For more information on this press release, visit: http://www.sbwire.com/press-releases/mobile-gambling-market-set-for-more-growth-microgaming-ladbrokes-betfair-unibet-888-holdings-1357565.htm

What to expect from online bingo games in the modern age?

0

It may be approaching its 500th anniversary, but bingo shows no signs of slowing down just yet.

This iconic game has undoubtedly come a long way since it originated as a 16th century Italian lottery.

Fast forward to today and one of the best bingo sites at 888ladies highlights how much the game has changed over its history.

Read on to discover the history of bingo and assess how advancements in technology have helped propel the game into another stratosphere.

An introduction to bingo

Bingo has its roots in “Il Giuoco del Lotto d’Italia” – an Italian lottery game that later spread its wings to several other European countries.

It finally crossed the Atlantic Ocean at the turn of the last century, finding favor with visitors to local fairs and carnivals.

A version of bingo was spotted by New York car salesman Edwin Lowe, who tweaked the game to create the version played by millions of people today.

Its creation became the go-to entertainment business in the UK and USA during the 20th century, although its growth was not without challenges.

Easing of gambling laws sparks bingo boom

One of the biggest problems bingo faced in the 1900s was the presence of restrictive gambling laws in the United Kingdom and the United States.

Governments frowned on bingo as a commercial activity, forcing the game underground as people sought to circumvent the rules.

The revision of gambling laws in the UK in the 1960s transformed the landscape, providing a platform for bingo to become a global phenomenon.

Bingo halls have opened around the world as gambling operators clamor to take a piece of the action for themselves.

The draw threatens the future of bingo

While bingo has proven hugely popular, it’s safe to say that its working-class image has become a major issue as the new millennium approaches.

People started to get much more ambitious when it came to entertainment pursuits, and the future of bingo looked seriously threatened.

Other factors such as lack of investment in upgrading halls and banning smoking in public places have also derailed the bingo industry.

However, technology has emerged as a savior for the bingo industry, helping to resurrect the game’s fortunes and bring it back to the forefront of public consciousness.

Internet saves bingo bacon

It would have been brave to predict that the advent of the Internet would have such a transformative impact on the fortunes of bingo.

Inspired by the success of other forms of online gambling, gambling operators and developers soon realized that the Internet offered a wealth of possibilities.

While the early bingo sites didn’t offer too much excitement, they were undoubtedly the precursor to what has become a massive industry in its own right.

Advances in software capabilities, better payment security and improved Wi-Fi connectivity have all played a major role in bingo’s resurgence.

Bingo in the mobile age

Image via Pexels

Improvements in smartphone capabilities were arguably the most important factor in the bingo boom of the 21st century.

People can now play bingo games whenever and wherever they want, making the game much more accessible than before.

This has helped attract a different demographic of players to bingo, helping it become one of the biggest growth areas in the gaming industry.

Once considered the preserve of the working classes, bingo is now one of the most inclusive entertainment activities on the planet.

Embrace the social side of bingo

When bingo reached its peak in the second half of the 20th century, the social aspect of the game was one of its main attractions.

People would use bingo as a way to get together with friends and family on a regular basis, and this philosophy has been expertly incorporated into online bingo.

Game operators use the latest instant messaging software to allow players to interact with each other, recreating the social element of gaming in a digital environment.

With some sites exploring how video chat technology can be incorporated into online bingo, the game will continue to provide people with a way to socialize for many years to come.

Bingo of the future

Since bingo seemed to be on its knees at the turn of the last century, the last two decades have witnessed quite a remarkable transformation.

Digital technology has proven to be a boon, allowing gaming operators to develop increasingly immersive online bingo sites.

They are unlikely to rest on their laurels, especially since technology is now advancing at quite a ridiculous rate.

Among the most significant changes seen in recent years is the evolution from standard variants such as 90 ball bingo to crossovers with other games.

These include Slingo and Flash Fives, each of which was a big hit. More such innovations are likely to impact the industry in the coming years.

Virtual reality (VR) technology has also been widely seen as the next big thing in bingo, with supporting hardware now capable of delivering stunning gaming experiences.

Some virtual reality social bingo games have already launched online and real money games are unlikely to be added before real money games are added.

While digital technology is expected to continue to advance over the next few years, these are exciting times for a game that continues to conjure the sands of time.

What to expect from online bingo games in the modern era?

0

It may be approaching its 500th anniversary, but bingo shows no signs of slowing down just yet.

This iconic game has undoubtedly come a long way since it originated as a 16th century Italian lottery.

Fast forward to today and one of the best bingo sites at 888ladies highlights how much the game has changed over its history.

Read on to discover the history of bingo and assess how advancements in technology have helped propel the game into another stratosphere.

An introduction to bingo

Bingo has its roots in “Il Giuoco del Lotto d’Italia” – an Italian lottery game that later spread its wings to several other European countries.

It finally crossed the Atlantic Ocean at the turn of the last century, finding favor with visitors to local fairs and carnivals.

A version of bingo was spotted by New York car salesman Edwin Lowe, who tweaked the game to create the version played by millions of people today.

Its creation became the go-to entertainment business in the UK and USA during the 20th century, although its growth was not without challenges.

Easing of gambling laws sparks bingo boom

One of the biggest problems bingo faced in the 1900s was the presence of restrictive gambling laws in the United Kingdom and the United States.

Governments frowned on bingo as a commercial activity, forcing the game underground as people sought to circumvent the rules.

The revision of gambling laws in the UK in the 1960s transformed the landscape, providing a platform for bingo to become a global phenomenon.

Bingo halls have opened around the world as gambling operators clamor to take a piece of the action for themselves.

The draw threatens the future of bingo

While bingo has proven hugely popular, it’s safe to say that its working-class image has become a major issue as the new millennium approaches.

People started to get much more ambitious when it came to entertainment pursuits, and the future of bingo looked seriously threatened.

Other factors such as lack of investment in upgrading halls and banning smoking in public places have also derailed the bingo industry.

However, technology has emerged as a savior for the bingo industry, helping to resurrect the game’s fortunes and bring it back to the forefront of public consciousness.

Internet saves bingo bacon

It would have been brave to predict that the advent of the Internet would have such a transformative impact on the fortunes of bingo.

Inspired by the success of other forms of online gambling, gambling operators and developers soon realized that the Internet offered a wealth of possibilities.

While the early bingo sites didn’t offer too much excitement, they were undoubtedly the precursor to what has become a massive industry in its own right.

Advances in software capabilities, better payment security and improved Wi-Fi connectivity have all played a major role in bingo’s resurgence.

Bingo in the mobile age

Image via Pexels

Improvements in smartphone capabilities were arguably the most important factor in the bingo boom of the 21st century.

People can now play bingo games whenever and wherever they want, making the game much more accessible than before.

This has helped attract a different demographic of players to bingo, helping it become one of the biggest growth areas in the gaming industry.

Once considered the preserve of the working classes, bingo is now one of the most inclusive entertainment activities on the planet.

Embrace the social side of bingo

When bingo reached its peak in the second half of the 20th century, the social aspect of the game was one of its main attractions.

People would use bingo as a way to get together with friends and family on a regular basis, and this philosophy has been expertly incorporated into online bingo.

Game operators use the latest instant messaging software to allow players to interact with each other, recreating the social element of gaming in a digital environment.

With some sites exploring how video chat technology can be incorporated into online bingo, the game will continue to provide people with a way to socialize for many years to come.

Bingo of the future

Since bingo seemed to be on its knees at the turn of the last century, the last two decades have witnessed quite a remarkable transformation.

Digital technology has proven to be a boon, allowing gaming operators to develop increasingly immersive online bingo sites.

They are unlikely to rest on their laurels, especially since technology is now advancing at quite a ridiculous rate.

Among the most significant changes seen in recent years is the evolution from standard variants such as 90 ball bingo to crossovers with other games.

These include Slingo and Flash Fives, each of which was a big hit. More such innovations are likely to impact the industry in the coming years.

Virtual reality (VR) technology has also been widely seen as the next big thing in bingo, with supporting hardware now capable of delivering stunning gaming experiences.

Some virtual reality social bingo games have already launched online and real money games are unlikely to be added before real money games are added.

With digital technology set to continue advancing over the next few years, these are exciting times for a game that continues to ward off the sands of time.

Consumer credit card debt nears record high

To cope with rising prices, many consumers are looking to their credit cards.

Credit card balances grew year-over-year, reaching $841 billion in the first three months of 2022, according to data released Tuesday by the Federal Reserve Bank of New York.

Although sales have fallen slightly from their level at the end of 2021 after the peak holiday shopping season, they should continue to increase from here, according to researchers at the New York Fed.

“There’s a good chance that Americans’ total credit card balances will soon hit a new all-time high, marking a sharp reversal from the precipitous drop that occurred in 2020 and early 2021,” Ted said. Rossman, senior industry analyst at CreditCards.com.

Learn more about personal finance:
More Americans are running out of money as the cost of living rises
Why there’s pressure to forgive student loans but not other debt
Americans say inflation could have a ‘significant negative impact’

An additional 229 million new credit card accounts were also opened in the first quarter, up from the previous quarter and above pre-pandemic levels.

Many accounts have been closed during the pandemic, so it’s no surprise to see more new accounts now, according to New York Fed researchers.

However, rising borrowing, along with auto loans, student debt and mortgages, pushed total household debt to a record $15.84 trillion at the start of the year.

After consumers paid off $83 billion in credit card debt during the pandemic, helped by government stimulus checks and fewer discretionary shopping opportunities, credit card balances have steadily increased amid higher prices for gasoline, groceries, and housing, among other necessities.

“A lot of that is due to robust consumer spending, of course, but credit and debit cards have both been helped by the growth of e-commerce and the continued migration of cash,” Rossman said. “It’s great if you can pay in full, avoid interest, and earn rewards, but it can be very expensive if you pay interest every month.”

In fact, credit card rates will only rise as the Federal Reserve raises interest rates in an effort to reduce inflation, which is at its fastest pace in more than 40 years.

Since most credit cards have a variable annual percentage rate, there is a direct link to the Fed’s benchmark.

APRs are currently just over 16%, on average, but could well exceed 18% by the end of the year – which would be an all-time high, according to Rossman.

To date, the record is 17.87%set in April 2019.

“With runaway inflation and rising interest rates, things will get worse before they get better,” said Matt Schulz, chief credit analyst at LendingTree.

If you have a balance, try calling your card issuer to request a lower rate, consolidate and pay off high interest credit cards with a lower interest rate. home equity loan or a personal loan or switch to an interest-free balance transfer credit card, he advised.

“Consumers need to act now to reduce this credit card debt because it’s only going to get more expensive — and rushed,” Schulz said.

To develop better credit card habits, be sure to pay your balance on time and in full each month and only make purchases that you can afford to repay, noted Holly O’Neill, president of the bank of retail at Bank of America.

“Spending within your means will leave you with more money at the end of each month and help reduce your debt,” she said. “As a bonus, spending less than your limit will also help you build a stronger credit score.”

(Here’s why your credit score matters and five ways to improve it.)

Subscribe to CNBC on YouTube.

LRWC revamps BingoPlus brand months after online bingo launched

0

Months after gaining approval to operate the first online bingo offering in the Philippines, Leisure & Resorts World Corp (LRWC) has announced that it is revamping its BingoPlus brand to tap into the savvy mobile gaming customer.

In a press release issued in late April, LRWC said it had updated BingoPlus’ logo to “meet today’s growing demand for a mobile environment that complements different digital spaces.”

The new BingoPlus logo is meant to “represent the brand’s fun, lively and dynamic products”.

The revamped brand aims to meet the demands of both offline and online usage and has the ability to maximize growth in the mobile-first environment in multiple markets, LRWC said.

“BingoPlus’ new look is to maintain familiarity with a more up-to-date look and feel focused on the wide variety of touchpoints that will make our presence felt both online and offline. We are thrilled with this change and look forward to to see what it brings,” said Andy Tsui, President of LRWC.

Earlier this year, Leisure & Resorts World Corp. (LRWC) has announced that it has received approval to launch the first online bingo offering in the Philippines, as the country expands its domestic online gambling market.

The license was awarded to the AB Leisure unit of LRWC by Philippines Amusement & Gaming Corp. AB Leisure recently hosted the soft launch of its BingoPlus line, which offers traditional bingo games online. At the time, the company said that online bingo should be one of the main sources of revenue for the company in the future.

ASEAN Gaming Summit

Online Gaming Software Market Share 2022-2029

The Latest Market Research Report analyzes the Online Gaming Software Market Demand by Different Segments Size, Share, Growth, Industry Trends and Forecast to 2028 in its database, which depicts a systematic picture of the market and provides an in-depth explanation of the various factors that are expected to drive the growth of the market. The Universal Online Gaming Software Market Research Report is a high quality report containing in-depth market research. It presents a definitive solution to obtain market insights with which the market can be visualized clearly and thus important decisions for the growth of the business can be taken. All data, facts, figures and information covered in this business document are supported by renowned analytical tools including SWOT analysis and Porter’s five forces analysis. A number of steps are utilized while preparing the Online Gambling Software report considering the feedback from a dedicated team of researchers, analysts, and forecasters.

Get | Download Sample Copy with TOC, Charts and List of Figures @ https://www.marketresearchintellect.com/download-sample/?rid=198209

The predicted sale of a product is also included in this Online Gaming Software market report which helps market players to bring new products to market and avoid errors. It suggests which parts of the business need to be improved for the business to succeed. It’s also easy to discover a new chance to stay ahead of the market, and this market research report provides the latest trends to help you place your business in the market and gain a significant advantage. .

One of the crucial parts of this report includes the discussion of the leading vendor of the Online Gaming Software industry on the brand summary, profiles, market revenue and financial analysis. The report will help market players to develop future business strategies and learn about the global competition. A detailed market segmentation analysis is done on producers, regions, type and applications in the report.

Key Players Covered in Online Gaming Software Markets:

  • Igt
  • playtech
  • Micro game
  • Betconstruct
  • Softgamings
  • Betsys
  • betradar
  • Sbtech
  • Digitain
  • Gamma Stack
  • Each die
  • Sb betting software
  • Novomatic

Global Online Gaming Software Market Segmentation:

Online Gaming Software Market Breakdown by Type:

Online Gaming Software Market Split By Application:

  • Online bookmakers
  • Game operators

The analysis of the study has been carried out around the world and presents the current and traditional growth analysis, competition analysis and growth prospects of the central regions. With industry-standard analytical accuracy and high data integrity, the report offers an excellent attempt to highlight major opportunities available in the global Online Gaming Software Market to assist players in establishing strong positions in the market. Buyers of the report can access verified and reliable market forecasts, including those regarding the overall size of the global Online Gaming Software market in terms of sales and volume.

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Scope of Online Gaming Software Market Report

Report attribute Details
Market size available for years 2022 – 2030
Reference year considered 2021
Historical data 2018 – 2021
Forecast period 2022 – 2030
Quantitative units Revenue in USD Million and CAGR from 2022 to 2030
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

The analysis of the regional online gaming software market can be represented as follows:

This part of the report assesses key regional and country-level markets on the basis of market size by type and application, key players, and market forecast.

Based on geography, the global online gaming software market has been segmented as follows:

    • North America includes the United States, Canada and Mexico
    • Europe includes Germany, France, UK, Italy, Spain
    • South America includes Colombia, Argentina, Nigeria and Chile
    • Asia Pacific includes Japan, China, Korea, India, Saudi Arabia and Southeast Asia

For more information or query or customization before buying, visit @ https://www.marketresearchintellect.com/product/global-online-gambling-software-market-size-and-forecast/

About Us: Market Research Intellect

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Our research studies help our clients make superior data-driven decisions, understand market forecasts, take advantage of future opportunities and optimize efficiency by working as a partner to deliver accurate and valuable insights without compromise.

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4 in 5 shoppers are turning to buy now, pay later to avoid credit card debt: Experian

Buy Now, Pay Later (BNPL) services offer consumers the opportunity to avoid racking up high-interest credit card debt, according to recent survey data. But these payment plans can have costly consequences for missed payments. (iStock)

Buy Now, Pay Later (BNPL) allows buyers to split the cost of their purchase into smaller installments, often with little or no interest or fees. Consumers are increasingly turning to this payment option as it is adopted by major online retailers and traditional banks.

While BNPL is still behind on credit cards and mobile wallets, a new report from Experian said this alternative financing option is “here to stay”. Nearly one-fifth (18%) of global consumers have used BNPL in the past six months, and 57% of respondents said BNPL could replace their traditional credit card.

Additionally, 80% of US shoppers said their main reason for using BNPL was to avoid credit card debt.

Keep reading to learn more about this emerging payment method, as well as what consumers need to know before entering into a BNPL financing deal. And if you’re having trouble making BNPL payments or paying off high-interest credit cards, you might consider consolidating your debt into a personal loan. You can read more about debt consolidation on Credible.

MORE THAN HALF OF GEN Z CONSUMERS THINK BNPL ENCOURAGES BAD SPENDING HABITS

BNPL usage rises, but regulators worry about debt burden

Buy now, pay later has grown in popularity over the past few years, with usage increasing by around 300% per year since 2018. Bloomberg reported. And although BNPL has traditionally been an online financing tool, it is increasingly available in physical retail stores and even at gas pumps.

As BNPL is increasingly embraced by consumers and retailers, banking regulators have expressed concern that it could pose a debt trap for consumers who cannot afford installment arrangements. short term.

“Unaffordable credit can provide a quick influx of cash, but over the longer term – which in BNPL’s case might just be a few weeks or months down the road – unregulated fintech products can add to the burden debt from already debt-burdened consumers,” said Mike Calhoun, president of the Center for Responsible Lending (CRL).

The Consumer Financial Protection Bureau (CFPB) is investigating this credit option, collecting information from five BNPL providers – Affirm, Afterpay, Klarna, PayPal and Zip – to determine the risks and benefits for its users.

If you are struggling to repay your BNPL debt, you can consider consolidating it into a single monthly payment via a fixed rate personal loan. You can use Credible’s personal loan calculator to estimate your repayment terms.

5 BENEFITS OF HAVING A GOOD CREDIT SCORE

30% of BNPL users cannot afford to pay

Although BNPL users may benefit in the short term from splitting large purchases into an installment plan, the data suggests that bank advocates may be justified in their concern. Nearly a third (30%) of BNPL users cannot pay their payments, according to a recent survey.

And while excessive borrowing can result in late fees and high interest, another study claimed that 36% of BNPL users are unaware of these consequences and that many BNPL companies do not perform thorough credit checks.

“Too many people take out these loans without realizing the impact it could have on their finances,” said Antony Stephen, CEO of Barclays Partner Finance.

Some Americans using BNPL could potentially face negative impacts on their credit score, with more major credit bureaus like Equifax and TransUnion adopting BNPL payment history in their underwriting process.

If you are unable to pay your BNPL installments, you may consider opening a debt consolidation loan. It’s a type of unsecured personal loan that you repay in fixed monthly installments over a set period of time, usually a few years. You can browse personal loan interest rates in the table below and visit Credible to compare offers for free without affecting your credit score.

HARD CREDIT CHECKS VS. SOFT CREDIT CHECKS: WHAT YOU NEED TO KNOW

Do you have a financial question, but you don’t know who to contact? Email the Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.

Impact of Interest Rates on Credit Card Debt – WRGB

Impact of Interest Rates on Credit Card DebtWRGB

Online Casino Software Market Overview 2022-2029 | Key Players – Igt, Playtech, Microgaming, Betconstruct, Softgamings

Latest Market Research Report Analyzes Online Casino Software Market Demand by Different Segments Size, Share, Growth, Industry Trends and Forecasts to 2028 in its Database, Which Depicts a Systematic Picture of the Market and provides an in-depth explanation of the various factors expected to drive the market growth. The Universal Online Casino Software Market Research Report is a high-quality report containing in-depth market research. It presents a definitive solution to obtain market insights with which the market can be visualized clearly and thus important decisions for the growth of the business can be taken. All data, facts, figures and information covered in this business document are supported by renowned analytical tools including SWOT analysis and Porter’s five forces analysis. A number of steps are utilized while preparing the Online Casino Software report considering the feedback from a dedicated team of researchers, analysts, and forecasters.

Get | Download Sample Copy with TOC, Charts and List of Figures @ https://www.marketresearchintellect.com/download-sample/?rid=198205

The predicted sale of a product is also included in this Online Casino Software market report, which helps market players to bring new products to market and avoid mistakes. It suggests which parts of the business need to be improved for the business to succeed. It’s also easy to discover a new chance to stay ahead of the market, and this market research report provides the latest trends to help you place your business in the market and gain a significant advantage. .

One of the crucial parts of this report includes Online Casino Software industry leading vendor’s discussion of brand summary, profiles, market revenue and financial analysis. The report will help market players to develop future business strategies and learn about the global competition. A detailed market segmentation analysis is done on producers, regions, type and applications in the report.

Key Players Covered in Online Casino Software Markets:

  • Igt
  • playtech
  • Micro game
  • Betconstruct
  • Softgamings
  • Betsys
  • betradar
  • Sbtech
  • Digitain
  • Gamma Stack
  • Each matrix
  • Sb betting software
  • Novomatic

Global Market Segmentation Online Casino Software:

Online Casino Software Market Breakdown by Type:

Online Casino Software Market Split By Application:

The analysis of the study has been carried out around the world and presents the current and traditional growth analysis, competition analysis and growth prospects of the central regions. With industry-standard analytical accuracy and high data integrity, the report offers an excellent attempt to highlight major opportunities available in the Global Online Casino Software Market to assist players in establishing strong positions in the market. Buyers of the report can access verified and reliable market forecasts, including those regarding the overall size of the global Online Casino Software market in terms of sales and volume.

Get | Discount on the purchase of this report @ https://www.marketresearchintellect.com/ask-for-discount/?rid=198205

Scope of the Online Casino Software Market Report

Report attribute Details
Market size available for years 2022 – 2030
Base year considered 2021
Historical data 2018 – 2021
Forecast period 2022 – 2030
Quantitative units Revenue in USD Million and CAGR from 2022 to 2030
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

The analysis of the regional online casino software market can be represented as follows:

This part of the report assesses key regional and country-level markets on the basis of market size by type and application, key players, and market forecast.

Based on geography, the global online casino software market has been segmented as follows:

    • North America includes the United States, Canada and Mexico
    • Europe includes Germany, France, UK, Italy, Spain
    • South America includes Colombia, Argentina, Nigeria and Chile
    • Asia Pacific includes Japan, China, Korea, India, Saudi Arabia and Southeast Asia

For more information or query or customization before buying, visit @ https://www.marketresearchintellect.com/product/global-online-casino-software-market-size-and-forecast/

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Our research studies help our clients make superior data-driven decisions, understand market forecasts, take advantage of future opportunities and maximize efficiency by working as a partner to deliver accurate and valuable insights without compromise.

Having served over 5000 clients, we have provided reliable market research services to over 100 Global Fortune 500 companies such as Amazon, Dell, IBM, Shell, Exxon Mobil, General Electric, Siemens, Microsoft, Sony and Hitachi.

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Online Bingo Games Market Size and Forecast

New Jersey, United States – Complete analyzes of the most dynamic Online bingo games market provide information that helps stakeholders identify opportunities and challenges. The 2022 markets could be another big year for online bingo games. This report provides an overview of the company’s activities and financial situation (a company profile is required if you want to raise capital or attract investors), recent developments (mergers and acquisitions) and recent SWOT analyses. This report focuses on the online bingo games market over the assessment period 2029. The report also provides an analysis of the online bingo games market growth which includes Porter’s five-factor analysis and l supply chain analysis.

It describes the behavior of the industry. It also outlines a future direction that will help companies and other stakeholders make informed decisions that will ensure strong returns for years to come. The report provides a practical overview of the global market and its changing environment to help readers make informed decisions about market projects. This report focuses on growth opportunities that allow the market to expand its operations in existing markets.

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(Use company email id to get higher priority)

The report helps both major players and new entrants to analyze the market in depth. This helps key players determine their business strategy and set goals. The report provides key market insights including niche growth opportunities along with Online Bingo Games market size, growth rate and forecast in key regions and countries.

The Online Bingo Games report contains data based on rigorous studies of primary and secondary schools using best research practices. The report contains exhaustive information which will enable you to evaluate each segment of the online bingo games market. This report has been prepared considering various aspects of market research and analysis. It includes market size estimates, market dynamics, and company and market best practices. Entry marketing strategy, positioning, segmentation, competitive landscape and economic forecasts. Industry-specific technology solutions, roadmap analysis, alignment to key buying criteria, in-depth vendor product benchmarking

Key Players Mentioned in the Online Bingo Games Market Research Report:

NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech, William Hill, Kindred, Amaya, Paddy Power Betfair

Online Bingo Games Market Segmentation:

By Product Type, the market is primarily split into:

• Poker
•Casino
• Sports betting
• Other

By application, this report covers the following segments:

• Entertainment
• Commercial
• Other

Get a discount on the purchase of this report @ https://www.verifiedmarketreports.com/ask-for-discount/?rid=504020

Scope of Online Bingo Games Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Geographic segment covered in the report:

The Online Bingo Games report provides information on the market area, which is sub-divided into sub-regions and countries/regions. In addition to the market share in each country and sub-region, this chapter of this report also contains information on profit opportunities. This chapter of the report mentions the market share and growth rate of each region, country and sub-region over the estimated period.

• North America (USA and Canada)
• Europe (UK, Germany, France and rest of Europe)
• Asia-Pacific (China, Japan, India and the rest of the Asia-Pacific region)
• Latin America (Brazil, Mexico and rest of Latin America)
• Middle East and Africa (GCC and Rest of Middle East and Africa)

Answers to key questions in this Online Bingo Games Market report

  1. How much revenue will the Online Bingo Games Market generate by the end of forecast period?
  2. Which market segment is expected to have the maximum market share?
  3. What are the influencing factors and their impact on the Online Bingo Games market?
  4. Which regions are currently contributing the maximum share of the overall online bingo games market?
  5. What indicators are likely to drive the online bingo games market?
  6. What are the key strategies of the major players in the Online Bingo Games market to expand their geographical presence?
  7. What are the key advancements in the Online Bingo Games market?
  8. How do regulatory standards affect the online bingo games market?

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Visualize the Online Bingo Games Market Using Verified Market Intelligence:-

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Our 250 analysts and SMEs offer a high level of expertise in data collection and governance using industry techniques to collect and analyze data on over 25,000 high impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise and years of collective experience to produce informative and accurate research.

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Games Global Ties Microgaming Portfolio and Distribution Branch

Microgaming has completed the sale of its distribution business and online games portfolio to Games Global Limited, a games provider for the global casino market.

Important milestone for both companies

Thanks to this combination, Games Global is in possession of an extensive catalog of games developed by Microgaming and will have access to more than 900 global brands from all over the world with which the famous developer currently works. Commenting on this, Microgaming CEO Andrew Clucas said:

This is an exciting milestone for Microgaming and Games Global, and the culmination of months of hard work and dedication from teams on both sides. The online gaming industry will undoubtedly present a wealth of opportunities for Games Global, and we wish them the best on their journey ahead.

Microgaming CEO Andrew Clucas

Microgaming will remain committed to building platform systems and services for leading online gaming brands, including Games Global and its own portfolio of customers. Microgaming will remain focused on providing the infrastructure necessary to operate some of the strongest gaming brands in the world.

The game sees a new era begin

In the meantime, Microgaming will continue to license its dedicated sports betting software to Betway and will continue to improve the solution for other brands. The acquisition of Games Global is an important step for the company.

He is represented by a number of gaming personalities, including CEO Walter Bugno who worked at IGT and Lottomatica, and CFO Tim Mickley who worked for Playtech and SafeCharge.

The news was welcomed by Bugno who said that through this acquisition, Games Global welcomes the start of a new era in igaming. He acknowledged Microgaming’s contributions to the industry and wished them well in their next chapter of development.

Microgaming announced the deal in November 2021, with the sale of Quickfire including numerous assets under its roof. Games Global will now have proprietary access to over 3,000 games and 25 studios, with the new igaming giant surely looking to continue and expand its current footprint and Microgaming focusing on a whole different part of the business.

Microgaming Completes Sale of Quickfire to Games Global – Casino & Games

Gaming software company Microgaming has completed the sale of its Quickfire business to gaming provider Games Global Limited.

The deal was first announced in November 2021.

Games Global, which was established in 2021, distributes content for use in international markets. It is a privately-funded company led by CEO Walter Bugno and CFO Tim Mickley.

Bugno previously held positions at IGT and Lottomatica, while Tim Mickley previously worked for SafeCharge and Playtech.

Bugno resigned from his position at IGT in May 2021.

The deal will see Games Global acquire Quickfire’s catalog of gaming content and an extensive network of customers.

“This is an exciting milestone for both Microgaming and Games Global, and the culmination of months of hard work and dedication from teams on both sides,” said Andrew Clucas, CEO of Microgaming. “The online gaming industry will undoubtedly present a wealth of opportunities for Games Global, and we wish them the best on their journey ahead.”

Microgaming will now focus on providing platform systems to several online gaming brands, including Games Global, and will continue to offer its sports betting software services to Betway.

“We are thrilled with the full operational launch of Games Global and welcoming a new era in igaming,” Bugno said. “Microgaming’s historic legacy and impact on the industry has been significant, and we wish the organization all the best in its next chapter.”

Fed rate hikes can increase your monthly credit card payments: here’s how to cut costs

Credit card variable APRs are expected to rise in the coming months as the Federal Reserve is expected to raise interest rates. (iStock)

The Federal Reserve lowered its benchmark rate in the spring of 2020 to stimulate economic activity during the COVID-19 pandemic. As a result, interest rates remained low on a number of financial products, from mortgages to credit cards.

But the Fed has scheduled several rate hikes in 2022 to combat high inflation, which is well above the central bank’s 2% annual target. The first increase was implemented last March, pushing 30-year mortgage rates above 5% for the first time in more than a decade.

While the Fed’s economic policy had a quick and significant impact on mortgage rates, the rate hikes haven’t been as significant for credit card users – yet. Fed Chairman Jerome Powell has previously indicated that consumers should expect faster and bigger rate increases throughout the year, which means credit card rates will only continue to increase.

The last fed data shows that the average credit card interest rate has already started to rise along with the federal funds rate. In Q1 2022, the average credit card rate increased to 14.56%, up slightly from 14.51% in Q4 2021.

If you’re looking for ways to cut interest charges as the Fed raises rates this year, you might consider consolidating variable-rate credit card debt into a fixed-rate personal loan. This will lock in your interest rate for the entire repayment term. You can learn more about debt consolidation on Credible.

PROS AND CONS OF BALANCE TRANSFER CREDIT CARDS

When your credit card company can raise your rate

Your credit card issuer may raise your interest rate on new purchases if you have a floating rate tied to a certain index like the US prime rate, depending Consumer Financial Protection Bureau (CFPB). Since the prime rate is influenced by the Fed’s benchmark rate, your credit card interest rate will likely increase at about the same rate.

“That means you’ll be paying more on your card balances,” CFPB director Rohit Chopra said in a recent blog post.

It is important to note that your bank must give you 45 days notice before raising your interest rate. Additionally, your credit card rate may incur an APR penalty if your minimum payment is overdue more than 60 days past the due date.

Since credit card interest is compounded daily, the extra cost of borrowing can add up quickly when your rate goes up. Plus, your minimum monthly credit card payments will in turn increase.

If you’re struggling to meet your minimum monthly payment, you may want to consider credit card consolidation with a personal loan. You can visit Credible to compare personal loan rates for free without affecting your credit score.

AVERAGE HOUSEHOLD PAYS $1,000 IN INTEREST AND CREDIT CARD FEES A YEAR

How to pay off credit card debt with a personal loan

Consolidating credit card debt into a personal loan at a lower interest rate can help you lower your monthly payment and save money over time. Plus, debt consolidation is a simple process that can be done completely online. Here are five steps to paying off credit card balances with a personal loan:

1. Check your credit score.

Personal lenders determine an applicant’s interest rate based in part on their creditworthiness and debt-to-income ratio (DTI). Borrowers with excellent credit and low credit utilization will see the best deals possible, while those with fair or poor credit may see higher rates – if they qualify.

Personal loan rate by credit score

To get a better idea of ​​your credit history, you can request a free copy of your credit report from the three major credit bureaus (Equifax, Experian and TransUnion) at www.AnnualCreditReport.com.

HOW DO BALANCE TRANSFERS AFFECT YOUR CREDIT SCORE?

2. Estimate your loan amount.

Add up your credit card balances to determine how much you need to borrow. You can consolidate debt from one or more credit cards into one monthly payment with a personal loan. Then you can use a personal loan calculator to see your monthly payment.

3. Shop around to compare offers.

Most lenders allow you to be prequalified to see your estimated interest rate with a soft credit inquiry, which will not impact your credit score. You can compare personal loan rates from multiple lenders at once on Credible’s online loan marketplace.

6 BEST PERSONAL LOANS FOR GOOD CREDIT

4. Formally request the loan.

Once you have chosen the best loan offer for your financial situation, you will need to submit a formal application. This requires a rigorous credit check, which will have a temporary negative impact on your credit history. You will also need to show proof of identity and income, such as pay stubs and a driver’s license.

5. Clear your credit card balances to zero.

After approval, the lender will deposit your personal loan funds directly into your bank account, sometimes as soon as the next business day. You can use your loan to pay off your entire credit card debt balance at a fixed rate, so your monthly payment won’t increase with inflation.

You can browse current personal loan rates in the table below and visit Credible to learn more about credit card consolidation.

HOW TO MAXIMIZE YOUR CREDIT CARD REWARDS

Do you have a financial question, but you don’t know who to contact? Email the Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.

Contest Software Market Size, Outlook and Forecast

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New Jersey, United States – the Contest Software Market The research report offers complete coverage of the Contest Software Market over the forecast period 2022-2029. It provides historical, current and future market trends to help develop a robust market strategy. Further, it provides value chain analysis, key drivers, and challenges, and includes upcoming opportunities in the Contest Software market that will enable business success.

The Sweepstakes Software Market report provides a detailed analysis of global market size, regional and country level market size, segmentation market growth, market share, competitive landscape, analysis of sales, the impact of national and global market players, value chain optimization, trade regulations. , recent developments, opportunity analysis, strategic analysis of market growth, product launches, regional market expansion and technological innovations.

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Key Players Mentioned in the Contest Software Market Research Report:

Novomatic, Vegas-X, Microgaming, NetEnt, EGT, Playtech, Igrosoft, Amatic

This comprehensive report on the Contest Software Market helps to determine the gaps and issues faced by the dominant or new companies. It also provides information about the potential impact of the existing COVID-19 on the market scenario. Contest Software market is split by Type and by Application. For the period 2018-2027, the growth between segments provides accurate calculations and forecasts of sales by type and application in terms of volume and value. This analysis can help you grow your business by targeting qualified niche markets.

Contest Software Market Segmentation:

By Product Type, the market is primarily split into:

• Cloud-based
• Web-based

By application, this report covers the following segments:

• Large companies
• SMEs

Get a discount on the purchase of this report @ https://www.verifiedmarketreports.com/ask-for-discount/?rid=82095

Scope of the Contest Software Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Geographic segment covered in the report:

The Sweepstakes Software report provides information on the market area, which is sub-divided into sub-regions and countries/regions. In addition to the market share in each country and sub-region, this chapter of this report also contains information on profit opportunities. This chapter of the report mentions the market share and growth rate of each region, country and sub-region over the estimated period.

• North America (USA and Canada)
• Europe (UK, Germany, France and rest of Europe)
• Asia-Pacific (China, Japan, India and the rest of the Asia-Pacific region)
• Latin America (Brazil, Mexico and rest of Latin America)
• Middle East and Africa (GCC and Rest of Middle East and Africa)

Answers to key questions in this Contest Software Market report

  1. How much revenue will the Contest Software market generate by the end of forecast period?
  2. Which market segment is expected to have the maximum market share?
  3. What are the influencing factors and their impact on the Contest Software market?
  4. Which regions are currently contributing the maximum share of the global Sweepstakes Software market?
  5. Which indicators are likely to drive the contest software market?
  6. What are the key strategies of the leading Contest Software market players to expand their geographical presence?
  7. What are the key advancements in the Contest Software market?
  8. How do regulatory standards affect the contest software market?

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Our 250 analysts and SMEs offer a high level of expertise in data collection and governance using industry techniques to collect and analyze data on over 25,000 high impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise and years of collective experience to produce informative and accurate research.

Our research spans a multitude of industries, including energy, technology, manufacturing and construction, chemicals and materials, food and beverage, and more. Having served many Fortune 2000 organizations, we bring a wealth of reliable experience that covers all kinds of research needs.

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Mr. Edwyne Fernandes

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UK: +44 (753)-715-0008
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How to consolidate your credit card debt

Carrying credit card debt is an American tradition. The average household debt on credit cards is $6,194with an interest rate of approximately 14.51%. And, if you have cards with higher interest rates, it’s harder to pay off the balance.

If you feel stuck in this cycle, there are ways out. Here are some options for consolidating your credit card debt and paying off your balances.

Use a credit card with balance transfer

If you have a good credit history (your score is above 680), you may qualify for a credit card with a generous introductory period. Some card issuers allow you to pay no interest on transferred balances for the first 12-18 months. During this time, you can pay off or pay down your balances, saving you money in interest charges over the term of the debt.

Also: The best balance transfer cards

How it works: When you sign up, you notify the card issuer of any balance you wish to transfer to them. You’ll need basic information, such as your account number, balance owing, and mailing address of the credit card company. Upon approval, the card provider issues a check to settle the credit card balance with your previous provider. Then you will make payments at 0% interest for this introductory period. If you don’t repay the balance within that time, you’ll pay interest until you repay the debt.

Advantages:

  • You will benefit from a 0% introductory rate
  • You’ll save money on interest charges over the life of the debt and be able to pay it off faster
  • You consolidate multiple payments into one

The inconvenients:

  • Some issuers charge a balance transfer fee (3% to 5% of the transferred balance)
  • You have a narrow window of opportunity to pay it back

Pay off your debts with the equity in your home

A home equity loan allows you to borrow against the equity in your home to pay off your debts. This is a smart option as they generally carry lower interest rates than personal loans (these are secured loans, since you are using the equity in your home as collateral). The only downside is that if you fail to repay a home equity loan, your bank could take your house.

How it works: A home equity loan allows you to borrow a lump sum. You can use that money to pay off your old credit card debt, then you’ll pay off the home equity loan in fixed installments, the same way auto loans work.

Also: 5 ways to improve your credit score without a credit card

There is also a home equity line of credit (HELOC) that you can choose from. These are similar to credit cards in that you have a line of credit that you can borrow. You can use as many as you need to pay off your credit cards. And as you repay, you have more access to your credit limit. If the ultimate goal is to pay off debt, a home equity loan is a better choice. You borrow what you need and have fixed payments until you pay off the debt.

Advantages:

  • The interest rate can be lower than that of a personal loan
  • You have fixed monthly payments with a mortgage
  • A HELOC gives you the ability to borrow against your line of credit as needed
  • You may be eligible for a longer repayment period

The inconvenients:

  • It is a more complex process than a personal loan in that you need the equity in your home (at least 15% to 20%) and an appraisal.
  • If you don’t repay your loan, you could lose your home

Turn your credit card debt into a personal loan

Another option is to consolidate your credit card debt into a personal loan. If you have good credit, you may qualify for a lower interest rate than you currently pay on your credit cards.

It allows you to pay off your balance faster, since you don’t have to deal with a higher interest rate. And it makes it easier for you to pay off your debts because you only have one payment instead of many.

Additionally, some online lenders allow you to see if you qualify by slightly pulling on your credit score. This means that a serious inquiry will not show up on your credit report.

And credit unions are a smart option to consider because they keep their interest rates low for their members. It’s even smarter if you have an established relationship with one.

Advantages:

  • You may qualify for lower interest rates
  • Some lenders send payments directly to credit card companies on your behalf
  • Your payments are easier to manage since you only have one
  • Fixed payment makes budgeting easier

The inconvenients:

  • Some lenders assess an origination fee to consolidate – this can amount to 3% to 5% of the debt owed
  • Your credit score could drop if your old credit card provider closes your account

How do I consolidate my credit card debt?

You can consolidate your credit card debt through a personal loan, credit cards with a 0% introductory offer, or a home equity loan. Before exploring an option, review your credit reports. You can receive one for free from each office each year at annualcreditreport.com. This allows you to see where you stand, make improvements if needed, and challenge any items that shouldn’t be there. Since potential lenders use this information to assess risk, knowing where you stand helps you be realistic about your options.

If you own a home with a lower credit score, a home equity loan might be a smarter option. You may qualify for lower interest rates than a personal loan. And since it’s a secured loan, your bank might feel more comfortable approving you.

Also: The Best Unsecured Credit Cards: Bad Credit? Carefree

Meanwhile, if you have a great score, it opens more doors for you. You can explore credit cards with low introductory rates or personal lenders.

In addition to checking your credit, take an inventory of any debts you wish to consolidate. Gather everyone’s latest statements and receive payment quotes. It lets you see how much you need to borrow.

Is credit card debt consolidation right for me?

If you’ve made payments on your credit card balances but haven’t been able to pay them off, consolidating them might be a good choice.

Which option is best for me?

Look at how much credit card debt you have and set realistic goals for how long it will take you to pay it off. If you think you can make it in the next 12 to 18 months, a credit card with a 0% introductory rate can help you pay off your balances at a lower cost. Conversely, a personal loan works best if it will take several years to pay off balances.

How can I consolidate my credit card debt with a lower credit score?

If you own a home with equity in your home, you may be able to take out a home equity loan. However, if you’re not and are having trouble keeping up with your payments, a debt management plan might be your next option. Often, you’ll work with a consumer credit counselor, who will negotiate on your behalf with your creditors to set up monthly payments. In some cases, they might be able to lower the interest rate and eliminate late fees. It allows you a repayment plan that fits your budget and can get you out of the high interest minimum payment cycle.

The sports betting market will explode: Ladbrokes, William Hill, Microgaming

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This press release was originally issued by SBWire

New Jersey, United States — (SBWIRE) – 04/27/2022 – The latest published study of the Global Sports Betting Market by AMA Research assesses the market size, trend and forecast to 2027. The Sports Betting Market study covers data from important research and proves to be a handy reference document for managers, analysts, industry experts, and other key people to have a ready-to-access, self-analyzed study to help understand market trends , growth drivers, opportunities and challenges ahead and on competitors.

Key players in this report include:
William Hill (UK), 888 Holdings (Spain), Bet-at-home.com (Germany), Bwin.Party (UK), Ladbrokes (UK), Microgaming (UK), Paddy Power Betfair (Republic of Ireland), GVC Holdings PLC (Isle of Man), Kindred Group (Malta), Bet365 Group Ltd (UK),

Download sample PDF report (including full TOC, table and figures) @ https://www.advancemarketanalytics.com/sample-report/16714-global-sports-betting-market-1

Definition:
Sports betting is the type of activity that includes predicting sports outcomes as well as placing a bet on the outcome. With the growing preference for digital platforms as well as increasing internet penetration, consumers are enjoying easy access to online sports betting platforms. Moreover, the digital revolution in the sports industry is a key factor responsible for the growth of the sports betting market. Digital platforms allow customers to place bets from any remote location in the world. The regularity of sports betting varies by culture, with the popularity of bets being placed on association football, basketball, American football, baseball, track cycling, hockey, auto racing, as well as martial arts mixed all over the world.

Market trends:
The growing popularity of virtual sports betting

Market factors:
Increased use of betting tools
Intensive use of digital processes
Legalization of sports betting

Market opportunities:
Increase in per capita disposable income of people in emerging markets

The global sports betting market segments and market data breakdown are illustrated below:
by type (fixed odds sports betting, live/live betting, exchange betting, spread betting, daily fantasy sports, mutual betting, online sports betting), application (draw games, instant games, lotto, number games, others), Platform (online, offline), Sport type (Association football (soccer), Basketball, Hockey, Mixed martial arts, Boxing)

The Global Sports Betting Market report highlights insights regarding current and future industry trends, growth patterns, as well as offers business strategies to help stakeholders make sound decisions that may help ensure the trajectory of earnings over the forecast years.

You have a question ? Market a request before purchase @ https://www.advancemarketanalytics.com/enquiry-before-buy/16714-global-sports-betting-market-1

Geographically, the detailed analysis of consumption, revenue, market share and growth rate of the following regions:
– The Middle East and Africa (South Africa, Saudi Arabia, United Arab Emirates, Israel, Egypt, etc.)
– North America (United States, Mexico and Canada)
– South America (Brazil, Venezuela, Argentina, Ecuador, Peru, Colombia, etc.)
– Europe (Turkey, Spain, Turkey, Netherlands Denmark, Belgium, Switzerland, Germany, Russia UK, Italy, France, etc.)
– Asia-Pacific (Taiwan, Hong Kong, Singapore, Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia and Australia).

Report objectives
– – Carefully analyze and forecast the sports betting market size by value and volume.
– -To estimate the market shares of the main sports betting segments
– -To present the development of the sports betting market in different parts of the world.
– -Analyze and study the micro markets in terms of their contributions to the sports betting market, their prospects, and individual growth trends.
– -Offer accurate and useful details on the factors affecting the growth of sports betting
– -To provide a meticulous assessment of crucial business strategies employed by leading companies operating in the Sports Betting market, which include research and development, collaborations, agreements, partnerships, acquisitions, mergers, new developments and product launches.

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Main highlights of the table of contents:

Sports Betting Market Research Coverage:
– It includes major manufacturers, emerging players growth story and major business segments of Sports Betting market, years considered and research objectives. Further, segmentation based on product type, application, and technology.
– Executive Summary of Sports Betting Market: It provides a summary of overall studies, growth rate, available market, competitive landscape, market drivers, trends, and issues, along with macroscopic pointers.
– Sports Betting Market Production by Region Sports Betting Market profile of manufacturers-players is studied based on SWOT, their products, production, value, financials, and other vital factors.
– Key Points Covered in the Sports Betting Market Report:
– Overview, Definition and Classification of Sports Betting Market Drivers and Barriers
– Competition in the sports betting market by manufacturers
– Impact analysis of COVID-19 on the sports betting market
– Sports Betting Capacity, Production, Revenue (Value) by Region (2021-2027)
– Sports Betting Supply (Production), Consumption, Export, Import by Region (2021-2027)
– Sports Betting Production, Revenue (Value), Price Trend by Type {Fixed Odds Sports Betting, Live/In Live Betting, Exchange Betting, Spread Betting, Daily Fantasy Sports, Mutual Betting, Online Sports Betting line}
– Sports Betting Market Analysis by Application {Draw Games, Instant Games, Lotto, Number Games, Others}
– Sports Betting Manufacturers Profiles/Analysis Sports Betting Manufacturing Cost Analysis, Industry/Supply Chain Analysis, Sourcing Strategy & Downstream Buyers, Marketing
– Strategy by major manufacturers/players, standardization of connected distributors/traders, regulatory and collaborative initiatives, industry roadmap and analysis of value chain market effect factors.

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Answers to key questions
– How feasible is the sports betting market for long-term investment?
– What are the factors influencing the demand for sports betting in the near future?
– What is the impact analysis of various factors on the growth of the global sports betting market?
– What are the recent regional market trends and how successful are they?

Thank you for reading this article; you can also get individual chapter wise section or region wise report version like North America, Middle East, Africa, Europe or LATAM, Southeast Asia.

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the changing landscape in LatAm for online poker

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After launching a series of new products to enhance its offering in Latin America, the online poker software provider EvenBet game has seen notable growth in the region over the past year.

Roman Bogodouhov, head of account management at EvenBet Gaming, joined the company late last year. We spoke with him about how the company plans to continue growing as the various markets in the region expand.

CasinoBeats: Which Latin American countries do you think have the most immediate potential right now and why?

RB: There are several countries where it is lucrative to start a casino or sports betting site right now. Colombia is the most attractive with minimal legislative barriers and an established and transparent licensing process. Argentina comes in second because it’s a huge market with an igaming-hungry population, but it’s much more complicated, with 24 jurisdictions in the country, all with different regulatory statuses. On top of that, the legislation in most of these jurisdictions makes it nearly impossible to start a brand new casino.

However, the online market in Mexico is very attractive, but it is only available to existing terrestrial operators.

CasinoBeats: How has the status of online poker changed in Latin America in recent years?

RB: In Latin American countries that allow the operation of local or offshore poker offerings, online poker has quickly gone from being associated with the black market and illegal activities to an indispensable part of everyday entertainment. For example, in Colombia and Chile, we see that interest in our product continues to grow, especially from sports betting operators due to cross-audience.

For this, we have optimized our Side-Bet product, which allows players to bet on sports without having to leave the poker room. For projects that are starting from scratch, we have pre-integrated sportsbooks from two partner providers with a huge choice of sports and events, so that one operator can give avid players access to both offerings simultaneously.

CasinoBeats: Conversely, which countries do you consider to be slow burners that further down the line might be the most promising markets?

RB: Brazil is the biggest potential market. We are seeing a slow move towards online gambling regulation as the 2022 World Cup approaches. That being said, the proposed changes primarily relate to sports betting and lotteries. However, as the government sees the benefits of a steady influx of taxes from the gambling industry – especially given the costly events of the last couple of years – regulation will naturally extend to online casinos and poker rooms as well. . This is especially likely given poker’s affinity with sports betting.

On top of that, these games are already part of everyday life in the form of illegal operators and the country stands to benefit exponentially from common sense regulation.

CasinoBeats: With the complexities of LatAm’s regulatory status – with some countries like Brazil currently banning gambling, others unregulated but not actively banning it, and others like Argentina regulated on a province-by-province basis, how can you target the best opportunities for the business?

RB: There are several questions we ask ourselves before making a country-specific offer. First, and most important, is online poker currently regulated in the country, like in Colombia? If not, is it allowed to play in offshore poker rooms, as is the case in Chile?

Next, we need to consider whether there is an offline and online poker culture in the region that would allow an operator to build a lasting user database. In the case of Argentina, there is a huge affection for the game, which makes it a no-brainer to implement the game there.

After questioning these factors, we can advise a trader on whether to proceed with an offer. We are also beginning to examine how EvenBet Gaming can help our customers better understand legislative barriers and what forms of partnerships hold the most promise.

CasinoBeats: A region with such potential will inherently bring competition. What do you think sets your business apart from your competitors?

RB: EvenBet Gaming was one of the first poker providers to start working in Latin America and South America. Over the past four years, we have optimized our offers according to the needs of local operators and players, completely localized the software and management tools we offer to specific customers and created a Spanish-speaking sales support team. In addition to that, we have regularly participated in many gaming industry events in Colombia, Chile, Argentina, Mexico and other countries.

Finally, we offer the same world-class poker platform that we make available in more mature markets, such as Europe and the United States, with all the necessary certifications. It is safe, secure and contains all the necessary anti-fraud and compliance tools. We pay particular attention to the development and delivery of KYC and anti-fraud solutions to operators based in Latin America, as trust and security are among the biggest issues in the region. There is still a lot to do, but we are ready to launch any type of project that our partners may need.

CasinoBeats: If you could change some elements of how Latin American countries currently operate in terms of gambling and regulation, what would they be and why?

RB: I would accelerate the process of transitioning from black and gray online markets to regulated markets. This would benefit both the players, who would be protected from various scams and fraudulent operations, and each of the economies of these countries would receive more taxes. Keeping online gambling in the shadows has serious consequences for the reputation of the industry in general. This only serves to complicate the operations of companies that are working legally.

CasinoBeats: What new products should operators in the region expect?

RB: No more mobile-first and mobile-only multi-platform games. These seem to be the most interesting for many audiences in LatAm. The combinations can be very different. For example, EvenBet offers a mobile poker platform with the ability to add thousands of casino and table games as well as a live offer and classic sports betting.

Here’s how inflation and interest rates can impact your credit card debt

Consumers buy more plastic and pay more for this privilege.

Rising prices have caused many Americans to suddenly feel strapped for money and more reliant on credit cards to make ends meet.

After consumers paid off record $83 billion in credit card debt during the pandemic, helped by government stimulus checks and fewer discretionary shopping opportunities, credit card balances are rising amid higher prices for gasoline, groceries, and housing, among other necessities.

Learn more about personal finance:
Many cash-strapped Americans are feeling the sting
Inflation may cause people to change their vacation plans
Half of parents still financially support their adult children

Overall, credit card balances increased by $52 billion in the fourth quarter of 2021, recording the largest quarterly increase in the data’s 22-year history, according to the latest report from the Federal Reserve Bank of New York.

Now, total card debt is on track to surpass pre-pandemic levels and hit an all-time high as early as this summer, according to Ted Rossman, senior industry analyst at CreditCards.com.

“After the Great Recession, it took years for credit card debt to bottom out, and then years to get back to an all-time high,” Rossman said. “Everything about Covid feels like it was fast forward.”

At the same time, the Federal Reserve has pledged to raise interest rates to bring inflation under control, which is now at its fastest pace in more than 40 years.

Since most credit cards have a variable rate, there is a direct link to the Fed’s benchmark index. As the federal funds rate rises, the prime rate also rises, and credit card rates follow. Cardholders see the impact within a billing cycle or two.

That means anyone with a balance on their credit card will soon have to shell out even more just to cover interest charges.

If the Fed announces a 50 basis point hike in May, as expectedconsumers in credit card debt will spend extra $3.3 billion on interest this year alone, according to a new analysis from WalletHub.

The average consumer has a credit card balance of $5,525, according to Experianand pays an annual percentage rate of around 16.38%, which is cheap by historical standards but significantly higher than almost any other consumer loan.

With several rate hikes on the horizon, credit card rates could hit 18.5% by the end of the year, another all-time high, Rossman said.

If your credit card APR drops from 16.38% in 2022 to 18.5%, it will cost you an additional $885 in interest charges over the life of the loan, assuming you made minimum payments on a balance of $5,525, he calculated.

“People really need to focus on getting that credit card debt down as soon as possible because it’s only going to get more expensive and it’s going to get a little more expensive quickly,” said Matt Schulz, chief credit analyst for LendingTree. .

If you have a balance, try calling your card issuer to request a lower rate, consolidate and pay off high interest credit cards with a lower interest rate. home equity loan or a personal loan or switch to an interest-free balance transfer credit card, Schulz advised.

Zero percent balance transfer offers are considered the best tool to pay off debt and save hundreds or thousands of dollars in interest while you can, experts say.

Cards offering 15, 18, and even 21 months interest-free on transferred balances “still exist, but assuming rates go up as fast as expected, there’s only so long these deals will stay as good as they look.” are now.” Schulz added.

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Sports Betting Software Market Size, Scope and Outlook

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New Jersey, United States – The study is a professional and comprehensive assessment of the Sports betting software market with an emphasis on in-depth analysis of market data. The aim of the study is to provide a quick understanding of the business along with a comprehensive categorization of the Sports Betting Software market by type, activity, end-use, and region. The study provides specific market statistics for major manufacturers and distributors, as well as an analysis of the outlook for the industry in general. The study examines the global sports betting software market considering supply and demand and identifies the variables that will influence the sports betting software market in each region during the projection period. On the consumer side, market trends, limitations and opportunities as well as an assessment of consumer development are examined.

The study discusses the elements driving the global sports betting software market. Traders and investors can use this data to strategize to increase their market share, and newcomers can use it to locate opportunities and grow in the business. There are also some restrictions on expanding this market. The Sports Betting Software market study also provides company biographies, SWOT analysis and business strategies for key players in the industry. Additionally, the research focuses on major industry players, providing details such as company descriptions, skills, current finances, and company advancements.

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Key Players Mentioned in the Sports Betting Software Market Research Report:

Playtech, Microgaming, Betconstruct, Softgamings, Betsys, BetRadar, SBTech, Digitain, GammaStack, EveryMatrix.

Market factors could use prospect information to attract informed prospects in underdeveloped countries. The analysis covers the Sports Betting Software sales, revenue, annual growth and market share in the global market for the past and future years. Figures for the past year and subsequent years show the sales, revenue, growth rate and customer base of each industry. Sports Betting Software Market Research has published a report that examines key physical and chemical growth methodologies employed by companies in the Sports Betting Software market. Product launches, product endorsements, and intellectual property strategies were among the most common tactics for sustained growth. Partnerships, collaborations and alliances were among the most important tactics for business expansion. Participants in the sports betting software market have been able to increase their business due to these actions.

Sports Betting Software Market Segmentation:

Sports Betting Software Market, By Type

• On the site
• Cloud-based

Sports Betting Software Market, By Application

• Online Bookmakers
• Game operators

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Scope of the Sports Betting Software Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

It becomes easy to determine the pulse of the market with this detailed analysis of the sports betting software market. Key players can find all competitive data and market size of major regions like North America, Europe, Latin America, Asia-Pacific and Middle East. As part of the competitive analysis, certain strategies are profiled which are pursued by key players such as mergers, collaborations, acquisitions and new product launches. These strategies will greatly help industry players to strengthen their position in the market and grow their business.

Answers to key questions in the report:

1. Who are the top five players in the sports betting software market?

2. How will the sports betting software market develop in the next five years?

3. Which product and which application will capture the lion’s share of the sports betting software market?

4. What are the Sports Betting Software Market Drivers and Restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the sports betting software market throughout the forecast period?

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At Verified Market Research, we help in understanding holistic market indicator factors and most current and future market trends. Our analysts, with their deep expertise in data collection and governance, use industry techniques to gather and review data at all stages. They are trained to combine modern data collection techniques, superior research methodology, subject matter expertise and years of collective experience to produce informative and accurate research.

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Aussies face $1 million fines for running illegal online poker rooms

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Posted: April 26, 2022, 6:09 a.m.

Last update on: April 26, 2022, 03:19h.

Online poker remains illegal in Australia, although it finds a legitimate place in many developed countries. Due to his status, two men and a company face heavy fines for offering online gambling halls.

Australia
The Sydney Opera House in Australia is a symbol of the country. Online poker, however, is not, and the ACMA is going after a trio that illegally offered online card rooms. (Image: Getty Images)

The Australian Communications and Media Authority (ACMA) has announced that it is prosecuting two people and a company for breaching anti-online poker regulations. Rhys Edward Jones reportedly ran a site from March 2020 to March 2021. A company known as Diverse Link launched its platform when Jones ended its run and is said to still be in business today.

Brenton Lee Buttigieg is in trouble for the promotion of both operations.

While online poker is making a comeback in the US, France, Spain and other countries, Australia isn’t quite there yet. The Interactive Gambling Act 2001 (IGA) bans online gambling halls, but a trio of Australians ignored the rules. They will now be held accountable for their actions and face million dollar fines.

House of cards is collapsing

After launching a “detailed” investigation, the ACMA said it had identified PPPFish as an illegal poker site. This company then became Shuffle Gaming before changing its name again to Redraw Poker.

Players were able to join using various downloadable apps and could purchase tokens via bank transfer or cryptocurrency. Conversely, players could withdraw funds using the same methods.

A thread on Reddit describes PPPFish as a “group of trusted (sic) clubs working together in Australia…”. At one time, there may have been more than 15 active clubs, according to a poster using the PPPFish moniker. Today, there are still international organizations linked to PPPFish.

The operation was not just in Australia. The poster added similar setups in Brazil, Israel, India, and the United States. Redraw Poker, the third iteration of the platform is still online and describes itself as a “global union of poker”. It still has links to the name PPPFish – its download instructions refer to an app called PPPoker.

It’s time to pay the piper

The ACMA hits Jones, Diverse Link and Buttigieg with civil penalties for violating the IGA. Their willingness to break the law comes at a high cost, as the fines are substantial.

Each violation carries a fine of 1.665 million Australian dollars (1.195 million US dollars) per individual. For a company like Diverse Link, it’s five times more.

The regulator has already submitted its claims to the Australian Federal Court, which will now try to enforce them. He did not specify how many violations he included. But, if PPPFish had more than one club operating in Australia, the amount could be astronomical.

ACMA Caught Two Locals Who Offered Illegal Online Poker Services

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The Australian Communications and Media Authority (ACMA) has taken civil action against two locals who offered poker services that violated the country’s Interactive Gambling Act.

The services were prohibited under Article 5 of the law

The ACMA shared information on the development saying the two subjects in the case are Brenton Lee Buttigieg and Rhys Edward Jones. Buttigieg promoted the illegal gambling services while Jones provided the services between March 2020 and March 2021.

In its statement, ACA claims that the two individuals enabled Australians to play online poker for real money. Currently, online poker is considered illegal by IGA. Those who participate in these activities can be fined up to 1.67 million Australian dollars ($1.2 million). Providers of these services, on the other hand, risk a fine five times higher.

While providing further details on the services provided by Buttigieg and Jones, the ACMA said players used mobile apps to join poker clubs, purchased chips from various websites, bitcoin or through bank transfers, then used the funds to play online poker for real money. Winnings were exchanged for bitcoins or cash.

ACMA speaks out on illegal gambling services

The ACMA is very active and vocal when it comes to stopping illegal gambling activity on Australian soil. At the end of March, he blocked 6 illegal online gambling sites. The casino sites in question were AU Online Casino, Pokies Online Casino, Pokies Parlor, CasinoAus, Australian Casino Sites and Ninja Spins.

While speaking on the issue, the ACMA noted that website blocking is one of the enforcement options the regulator is using to “protect Australians from illegal online gambling”. He also added that since the regulator first started blocking websites, more than 400 illegal gambling platforms have been blocked.

He reminded Australians that while these sites may appear secure, they are highly unlikely to have the necessary customer protection systems in place. This means Australians playing on these sites risk losing their money.

The need to regulate the gambling industry in Australia continues to grow, particularly after a survey found that parental problem gambling affects children in the country. Statistics show that Australia is among the countries with the highest number of problem gamblers, which means that young people are prone to this problem.

According to the survey, 4% of children in Australia have parents who qualify as moderate-risk gamblers. This means that up to 500,000 children may be exposed to some risk of gambling through their parents.

Aino Suomo, the author of the survey, says the extent of gambling harms that children face through their parents is beginning to be accurately established.

Deflate Your Credit Card Debt With These Expert Tips | national news

In its latest quarterly report on household debt and credit, the New York Federal Reserve found that outstanding credit card balances in the United States rose by $52 billion at the end of 2021, a quarterly increase. record.

Millions of Americans are now facing higher minimum monthly payments as credit card balances rise.

But financial experts say it’s not all bleak. Here are their top tips to help you reduce your debt and regain control of your finances.

Pay off your debt faster by reducing your interest costs

When you have outstanding balances on your credit cards, high interest rates are often the biggest cost. Fortunately, there are several ways to reduce these rates.

You can contact your card issuer and ask for an interest rate reduction. Good, long-time customers have a better chance of getting this grace. The credit company will often agree rather than losing a customer to another lender.

You can also consider consolidating your debt with a peer-to-peer loan at a more competitive rate from companies like Lending Club or Prosper.

“Consider a debt consolidation loan if you can only afford to pay the minimum (or just above the minimum), your credit cards all carry a high interest rate, and your credit score is poor. ‘at least 600,’ says Blaine Thiederman, founder. of Progress Wealth Management. “Look for consolidation loan providers that charge a small origination fee (if any),” says Thiederman.

Some companies also offer special balance transfer rates – even interest as low as 0% for 18-24 months. These offers may come with a 3-5% fee, but may also provide a one-time cash bonus to offset this cost. Just make sure you have a plan in place to pay off all balances in a timely manner. Multiple transfers over time only delay the inevitable and could rack up even more debt.

Pay more than the minimum

While it can be difficult to pay more than the minimum required payment for your credit cards each month, it can save you thousands of dollars and speed up your debt repayment by years. Even small additional amounts help.

For example, if you have $12,000 in credit card debt, paying $5 more per month will get you out of debt four years sooner and save over $2,000 in interest. Paying $10 more per month eliminates your debt six years sooner and saves you nearly $4,000 in interest charges.

Your minimum payment also decreases by paying more than the minimum each month, so choosing a consistent amount and sticking to it makes deleveraging even easier.

Consider the snowball method

The “snowball method” is a popular strategy for paying off debt on multiple credit cards.

You start by making the required minimum payment on each credit card except the card with the least remaining debt.

Then send as much as you can afford to this card and repeat this process each month until the balance reaches zero.

Then continue this process with the next card with the lowest balance until you only have one card left.

Try the Avalanche Method

The “Avalanche Method” is another popular debt reduction strategy.

With the Avalanche method, you’ll pay the required minimum payments to the credit cards with the lowest interest rates, then send as much as you can afford to pay to the credit card with the highest interest rate.

The benefits of this method outweigh the snowball method, but it requires considerable discipline.

Use free online resources

You may also find useful websites and online tools to help you develop a strategy for paying off your credit cards and tracking your progress. Besides dozens of debt reduction blogs which offer strategies and support to their readers, a resource recommended by financial experts is Power Paya tool created by Utah State University.

“Use PowerPay to see the light at the end of your debt tunnel,” says Maggie Klokkenga, owner of Make a change of mindset. “PowerPay is a free online debt payment calculator where you can enter all your debts, and the calculator will provide you with the different ways to pay off the debt, for example, lowest balance first (debt snowball ) or the highest interest rate first (avalanche debt),” says Klokkenga.

avoid temptation

Of course, to successfully pay off your credit cards, you will need to avoid accumulating additional debt. With online shopping transactions always just a click away, what steps can you take to reduce the temptation?

“One trick to help people overcome the credit card problem is to make it difficult to use the card and all its forms, including online forms that are now so easily stored on websites,” says Terri Bailey of Best Financial Advice. “My recommendation is to delete apps from your phone, not physically carry cards, and stay away from your trigger websites,” says Bailey.

The essential

Financial experts suggest that paying off your entire balance each month ranks as the best way to use a credit card. But if you’re deeply in debt on your credit cards, your first immediate concern is not to dig deeper.

Look for ways to consolidate your debt. Then, reduce your expenses a bit and increase your payments beyond the minimum.

Financial freedom is an achievable goal – but it will take work.

More articles from the Wealth of Geeks Network:

How much does a financial advisor cost?Should you get a loan from Giggle Finance?

This article was produced by Wealth owner and syndicated by Geek Wealth.

Featured image: Wealth of Geeks.

Online Bingo Games Market Size, Outlook and Forecast

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New Jersey, United States – This Online bingo games market The report has segmented the market based on application, product, geography, and other factors. This market report examines several key players and drivers impacting the market opportunities, challenges, risks and developments. It also performs competitive analysis of the industry which brings major advantages to the major players in the market. The growth of the market is highly influenced by the essential factors described in this Online Bingo Games Market report. The global market in terms of revenue and size is going to be huge.

To better understand the market, it is very important to consider the opinions of market experts. This report on the online bingo games market contains expert opinions. It is also divided into sections by type and sections by application. All types depict the production for the forecast period 2022-2029. Understanding all the sections will help you recognize the importance of the factors that effectively affect market growth. This market report provides insights on the major market players to know more about the strategies they are adopting in the market including new product launches, collaborations, mergers and acquisitions.

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This comprehensive report on the Online Bingo Games Market helps to determine the gaps and problems faced by the dominant or new companies. It also provides information about the potential impact of the existing COVID-19 on the market scenario. The market report also covers all essential economic, financial and social factors relevant to the market and provides players with the data they need to make informed decisions. The Online Bingo Games Market report is a combination of real-world insights, quantitative and qualitative assessments provided by market analysts, and inputs from industry players and experts across the value chain. This market report also examines the impact of qualitative market factors on the geography and market segments.

Key Players Mentioned in the Online Bingo Games Market Research Report:

NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech, William Hill, Kindred, Amaya, Paddy Power Betfair

Online Bingo Games Market Segmentation:

By Product Type, the market is primarily split into:

• Poker
•Casino
• Sports betting
• Other

By application, this report covers the following segments:

• Entertainment
• Commercial
• Other

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Scope of Online Bingo Games Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Geographic segment covered in the report:

The Online Bingo Games report provides information on the market area, which is sub-divided into sub-regions and countries/regions. In addition to the market share in each country and sub-region, this chapter of this report also contains information on profit opportunities. This chapter of the report mentions the market share and growth rate of each region, country and sub-region over the estimated period.

• North America (USA and Canada)
• Europe (UK, Germany, France and rest of Europe)
• Asia-Pacific (China, Japan, India and the rest of the Asia-Pacific region)
• Latin America (Brazil, Mexico and rest of Latin America)
• Middle East and Africa (GCC and Rest of Middle East and Africa)

Answers to key questions in the report:

1. Who are the top five players in the online bingo games market?

2. How will the online bingo games market evolve in the next five years?

3. Which product and which application will take the lion’s share of the online bingo games market?

4. What are the Online Bingo Games Market Drivers and Restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the online bingo games market throughout the forecast period?

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Sports Betting Software Market Size, Scope and Forecast

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New Jersey, United States – the Sports betting software market is the ultimate tool to help industries, businesses and organizations make informed decisions for their business growth. With the help of market tactics and strategies covered here, it becomes easy for trading players to maintain their position in the market. Market research plays an important role in gaining a better perspective as well as an understanding of the market scenario and the target market. It also allows participating companies to stay ahead of the competition. It reduces investment risk and helps companies make calculated decisions. It also helps with strategic planning. This market analysis report makes it easy to spot new trends. This Sports Betting Software Market research report outlines various techniques that can be used to identify development trends.

This Sports Betting Software Market analysis report provides significant and stable data related to market growth by observing several key business segments. This data helps economic players to make the right decisions in their business. This detailed market research report plays an important role in helping business players to generate huge revenue and expand their business. It also discusses significant aspects including changing customer preferences, socio-economic changes, rise of competitors and forecast of potential manufacturers and market size for the period 2022-2029. This useful Sports Betting Software Market research report covers several fundamental factors influencing market growth.

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Key Players Mentioned in the Sports Betting Software Market Research Report:

Playtech, Microgaming, Betconstruct, Softgamings, Betsys, BetRadar, SBTech, Digitain, GammaStack, EveryMatrix.

This Sports Betting Software Market report covers major market segments based on type, application and region. The regional analysis segment includes key regions such as Europe, North America, Middle East, Africa and Asia-Pacific. It shows important business metrics including population density, quality, development, and overall market scenarios. It also discusses important data covering key industry topics such as market expansion and changing market situation. This in-depth Sports Betting Software Market report also sheds light on important technologies and helps organizations better understand the buying habits of their customers. It shows the global market scenario for the forecast period 2022-2029.

Sports Betting Software Market Segmentation:

Sports Betting Software Market, By Type

• On the site
• Cloud-based

Sports Betting Software Market, By Application

• Online Bookmakers
• Game operators

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Scope of the Sports Betting Software Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

It becomes easy to determine the pulse of the market with this detailed analysis of the sports betting software market. Key players can find all competitive data and market size of major regions like North America, Europe, Latin America, Asia-Pacific and Middle East. As part of the competitive analysis, certain strategies are profiled which are pursued by key players such as mergers, collaborations, acquisitions and new product launches. These strategies will greatly help industry players to strengthen their position in the market and grow their business.

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1. Who are the top five players in the sports betting software market?

2. How will the sports betting software market develop in the next five years?

3. Which product and which application will capture the lion’s share of the sports betting software market?

4. What are the Sports Betting Software Market Drivers and Restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the sports betting software market throughout the forecast period?

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My credit card APR has increased. What should I do?

As a credit card holder, you probably depend on your card terms to stay the same. However, there are times when this does not happen.

For many reasons, your credit card issuer may increase your annual percentage rate, or APR. This is actually one of the most likely to change conditions for your credit card, and when it does, it can significantly affect your credit card account. Your APR determines how much you shell out for monthly payments and how quickly you are able to pay off your credit card debt.

If your credit card’s APR has increased, you may be unsure of your options. Here’s what you can do if your issuer has increased your credit card’s APR.

Why has my credit card’s APR increased?

The prime rate has changed

Credit card APRs are tied to the prime rate, which is the rate many lenders use for financial products like credit cards, mortgages, and auto loans. When the Federal Reserve makes adjustments to the federal funds rate, the interest rates that banks charge each other for overnight loans can also affect variable rate credit products. In this case, your APR credit card will be affected.

When the federal funds rate goes up, it’s called a rate hike. In April 2022, the Fed announced that it would likely enact a number of rate hikes for the foreseeable future. So far, there has been one rate hike in March 2022, with six more this year on the horizon.

In other words, maintaining a balance could become very expensive in an environment where interest rates continue to rise. However, with a little planning and diligence, you can anticipate APR increases, which we’ll discuss below.

You paid your credit card bill late

If you don’t pay your credit card bill on time, your card issuer may charge an APR penalty, which can be up to 29.99%. If your issuer gave you a regular APR, or you have a 0% introductory APR through your card, this penalty APR will replace your previous rate.

If this happens to you, the APR penalty may not be permanent. If you start making on-time payments again, your card issuer should review your account and reinstate your usual APR.

Your APR introductory period is over

If you received an introductory APR as a new cardholder, the promotion may have expired. This promotional offer offers cardholders a reduced interest rate for a predetermined period of time. When this promotional rate ends, your regular APR takes effect and applies to any balance you carry on the card.

Your credit score has dropped

When your credit score drops, your lender might perceive you as a credit risk, which is why they will charge a higher APR for the money you borrow. Once your card issuer notices a drop in your score, they have the right to charge a new, higher APR. You have the option to opt out of the higher rate once you are notified of the upcoming change.

What can I do if my APR increases?

Now that you understand all the reasons why your APR might increase, it’s time to talk about what you can do when it happens.

Pay off your balance

The surest way to avoid the negative financial effects of a higher APR is to decrease or completely eliminate your credit card balance. The smaller your balance, the less interest you will have to pay. There are a number of ways you can reduce your balance, starting with not charging any new charges to your card (while looking for aggressive ways to pay off the balance).

You can find extra cash by taking on side businesses or selling things around the house for extra cash. With a little creativity and intention, many people have successfully used these methods to pay off their credit card balance. Chances are you can do the same.

Transfer your balance to a lower APR card

If you can’t pay off your balance quickly, it might be a good idea to transfer your balance to a credit card with a lower APR. This decision can help you save hundreds or even thousands of dollars in interest.

Many credit cards offer an introductory APR for balance transfers. Depending on the card, you may qualify for a promotional balance transfer rate of 0% (or another APR below the national average).

Keep in mind that balance transfers are not free. Many cards charge a 3-5% balance transfer fee. If you want to see how much you could save with a balance transfer, even with a balance transfer fee, you should check out Bankrate’s Balance Transfer Calculator.

Consolidate your debt

If your credit card debt is very high, you might be a candidate for low interest loans that allow you to consolidate your credit card debt for larger amounts. Personal loan interest rates are generally much lower than credit card interest rates. However, lenders in this space may have stricter lending requirements. You will need to demonstrate your strength as a borrower. This means you’ll need good to excellent credit, a low debt-to-equity ratio, and a stable employment history.

If for some reason a personal loan isn’t right for you, you may be able to borrow against the equity in your home in the form of a home equity line of credit or cash refinance. Because these are secured loans, interest rates can be much lower than a personal loan or credit card.

Although loans secured by the equity in your home may be a little easier to obtain, you should be aware that if you fail to repay this type of loan, you risk losing your property. While a secured loan could be a great option for consolidating any high-interest debt you may have, it’s not a decision you should take lightly.

Consider credit counseling

If none of the options mentioned above work for you because you simply have too much debt (and an increase in your APR would make the situation worse), you might be an excellent candidate for credit counseling.

Working with a licensed credit counselor can help you create a budget and a plan of attack to help you pay off your high interest debt as quickly as possible. In some cases, they may suggest a debt management plan (DMP), bankruptcy, or other alternatives.

If you go this route, be very diligent about choosing a credit counselor to work with. Be sure to check their references and reviews and if they have a history of complaints or if they have not provided the services they promised to customers.

The bottom line

It’s never fun to see your credit card terms change, especially if the changes aren’t in your favor. Even a small adjustment to your card’s APR could mean taking more hard-earned money out of your wallet.

In general, the best practice is not to carry over a balance on your credit card. But if you happen to get one when your APR goes up, you still have to deal with it. The good news is that you have many options in this situation to get out of it.

The first online casino: created by Microgaming

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Believe it or not, almost 30 years have passed since the first virtual spin of an online slot machine; and more than a quarter century since a hacker tried to find a secret way to beat the house.

Microgaming is considered the innovative company behind the world’s first online casino. The story is often vague and difficult to define, with many of the early protagonists wanting to leave clear blue water between their current roles and the pioneering work that brought them to where they are today.

The key architect of Microgaming was Martin Moshal, a business science graduate from the University of Cape Town; in many ways, the Tim Berners-Lee of online casinos. Today, Moshal is both a hugely successful entrepreneur and philanthropist who downplays his extraordinary role in the history of the online gambling space.

Moshal has its own scholarship program and a private equity firm that funds start-ups. He describes himself as a “serial entrepreneur in the internet and software industry for over 20 years, creating and exiting a number of start-ups”.

It’s a very modest resume. In fact, Moshal was the man who introduced the online casino to the world. However, he was not alone.

Innovator looking for an investor

Today, Moshal is using his millions to invest in start-ups. In the early 1990s, Moshal was the innovator looking for an investor. Moshal wanted to develop online casino games and start his own software company.

He approached Discover Bank Limited, where he met newly graduated investment banker Roger Raatgever. Unfortunately, Moshal’s credit rating was not high enough to warrant an investment. Raatgever was clearly impressed with both the idea and Moshal and offered to co-sign the loan, in exchange for a 50% stake in the business.

Moshal agreed. Microgaming was born. Raatgever said in an interview: “I was in a rush working in investment banking and thought it was an exciting opportunity. I knew very little about [the sector] but for me it had all the elements of excitement. I am an adrenaline junkie.

What was the first online casino?

We know that Microgaming was behind the first online casino, but which one was it? The two candidates for the title of first online casino are The Gaming Club and Intercasino, the latter working with the games of the competitor Cryptologic.

It’s hard to get an exact timeline, but we do know that The Gaming Club was first launched in 1994, initially only in South Africa and as casino.co.za. When Intercasino was launched in 1996, it seemed clear that The Gaming Club was the first online casino in existence. The possible dispute over the title holder stems from the fact that Intercasino was the first to offer online payments, while The Gaming Club still used manual transactions until at least 1997.

It could therefore be argued that Intercasino was the first fully functional ‘real’ online casino, but in our opinion The Gaming Club can be called the original online casino.

Here’s a look at what The Gaming Club (then called casino.co.za) looked like in March 1996:

Online gaming pioneers

Whichever side of the argument you take, there is no doubt that Microgaming was a pioneer. Along with the evolution of casino software, there has been the rise of online sports betting in the United States. The Internet and online payment processing have avoided wire transfers. Sportsbooks were very happy to add casino games to their offer.

They would license Microgaming online casino games and could now offer blackjack, slots and roulette to their players.

In 1998, Microgaming had another massive online blow, with the introduction of Cash Splash; the first progressive jackpot online slot machine on the Internet. Until now, developers have simply imitated real-world casino games, focusing on random number generation, security, and money transfers.

Cash Splash was the first time a developer truly tapped into the potential of online casino gaming. By linking the jackpot of a game, across all online casinos hosting the same game, a huge prize pool would soon accumulate. To date, according to Microgaming, the company has paid out over €1.4 billion in progressive jackpots. There are now three different jackpot networks: WowPot, Mega Moolah and Major Millions.

No signs of slowing down

Today, Microgaming shows absolutely no signs of slowing down and resting on its well-deserved laurels. Based in the Isle of Man, with over 200 employees, the company has a portfolio of over 850 games.

It continues to create innovative games and is at the forefront of online casino development. In November 2021, Microgaming released over a dozen new games, both exclusively and with its many development partners.

Many pioneers of online gaming have faded, disappeared or never really evolved. Microgaming has never stopped. It has grown from a dream of a Durban student to a billion dollar business that just keeps getting better.

The good news is that you can play a huge selection of Microgaming slots right here at Casino.com, so get started!

Online poker revenue shows nice gains across the board in March

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Mars once again showed big numbers for legal online poker States. March Madness helped fuel the online casino games and sports betting as well.

The madness continued as PokerStars, partypoker US Network and WSOP.com launched major online poker tournament series. In the United States, online poker is currently available and playable in the following states:

  • New Jersey
  • Pennsylvania
  • Michigan
  • Nevada
  • Delaware

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New Jersey makes $2.5 million on the legal market

Garden State’s online poker sites have taken in more than $2.5 million in March. The New Jersey Division of Gaming Enforcement (NJDGE) reported a nice month-over-month increase for legal operators.

It’s approximately $300,000 of the $2.2 million in February. New Jersey currently has three online poker operators including:

Partypoker has won the title of best operator in consecutive months and reported $981,831 in March. This is also an increase from the $890,387 reported in February.

WSOP.com also posted month-over-month gains, reporting $907,472. The site remains the only operator offering shared liquidity with Nevada and 888poker in Delaware. That could change soon as Michigan recently announced plans for shared player pools.

The site prepares players for the big event of the Tournament of Champions this summer. All eligible winners will win a seat on July 18. The monthly Online circuit series was a great success for WSOP.com.

PokerStars saw the strongest month-over-month growth in the state. Reported stars $641,860 for March, compared to $502,191 in February. Expect to see strong numbers again next month as the operator has just wrapped up the popular Online Poker Spring Championship (SCOOP) series.

In New Jersey’s live poker scene, only three rooms are open in Atlantic City including:

  • Borgata (offers weekly tournaments)
  • Harrah
  • Tropicana

No plans for guaranteed multi-day live events have been announced.

NJ online gambling is going crazy

march madness increased online gambling earnings for New Jersey casinos and their partners, with $140.7 million In income. This is an increase of 23.7% compared to the same period last year.

The Borgata/BetMGM brand has been the top online casino in the state for 13 consecutive months. BetMGM broke its own cap and landed $40.1 million sales in March.

Gold nugget also had an all-star month by reporting $38.2 million. Resorts retained third place and posted monthly growth to $30.8 million.

According to the NJDGE, the overall gambling revenue reported by the casino, racetracks and partners was $423.7 million for March. It’s a 17.9% increase from $359.3 million reported in March 2021.

Gaming taxes account for 8% of gross taxable casino revenue and 15% of gross Internet gaming revenue.

PA Online Poker Surpasses $3 Million, Online Gambling Sets Records

Not only is Pennsylvania No. 1 state in the US for online poker revenue, it also set iGaming records for the month of March. Keystone State reported poker revenue of $3.2 million during the month, compared to $2.8 million in February.

The Commonwealth currently has three online poker choices:

PokerStars operates through Mount Airy casino and was the highest ranked platform in the state. The site recorded a monthly gain, signaling $1.9 million in March, compared to $1.6 million in February.

WSOP.com, which is partnered with Harrah’s Philadelphia, also grew month over month with revenue of $918,959.

Partypoker US Network (BetMGM/Borgata Poker) is a pool of joint players via Casino of the rivers and Penn National. The company experienced low growth and declared $381,227.

Internet gambling in the Keystone State broke a record by posting $110 million for the first time. As reported by the Pennsylvania Gaming Control Board, total March gaming revenue (both online and live) was $462.7 million.

The state has recorded an annual growth of 24.4%. According to the PGCB, March iGaming taxes alone were $48.9 million.

USPoker took a look at some of the partypoker network's Sunday majors to assess how things are going so far in Michigan and Pennsylvania.

PA poker rooms continue their series of tournaments

Pennsylvania tournament players are gaining new options every month on the live poker scene. Pittsburgh and philadelphia cream casinos have announced big guaranteed monthly tournaments.

Here is an overview of live poker rooms open in Pennsylvania:

  • Parx Casino
  • Mohegan Sun Pocono
  • Mount Airy Casino Resort
  • Rivers Casino Philadelphia
  • Rivers Casino Pittsburgh
  • Meadows Racecourse and Casino
  • Philadelphia Live Casino
  • Wind Creek Bethlehem
  • Pittsburgh Live Casino

WSOP.com is live in Michigan

Michigan made big news recently when WSOP.com went live in the state. It was in addition to the news that a interstate compact agreement was also in place for the state.

Wolverine State also broke another record. According to the Michigan Gaming Control Board (MGCB), online casinos and poker have introduced $131.6 million In income. The previous record was set in February at $122.8 million.

This figure includes online poker, as the state combines poker and online gaming in its revenue report. Online poker revenues are not broken down separately. There are now three online poker operators in the state, including:

  • PokerStars
  • BetMGM (part of the American partypoker network)
  • WSOP.com

After a success march maniaBetMGM also held a Cheap Stake Series in April. BetMGM continues to offer monthly series.

PokerStars had a big month and should still see good results in April after finishing its Michigan SCOOP. Recently USPoker caught up with a Michigan player who won three SCOOP titles in the same day.

WSOP.com is new in the state but isn’t waiting to start pushing promotions. The site advertised the WSOP Online Circuit events and the WSOP Main Event Satellites will take place this spring.

the USA Poker Tour also recently announced a stop at FireKeepers in Battle Creek. The series offers a guaranteed million dollar event in May.

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Sports betting increases in MI

In other Michigan news, March Madness helped propel BetMGM and FanDuel in sports betting. Both had their best months of the year. BetMGM posted $46.8 million and FanDuel showed $22.4 million.

Gaming operators generated a total of $24.7 million in tax revenue and local share for the state, including:

  • Taxes and Payments on Internet Gambling – $23.9 million
  • Taxes and Payments on Internet Sports Betting – $805,334

Six Michigan live poker rooms are open in the state, including:

  • MGM Grand Detroit
  • Motor City Casino
  • Greek Town Casino
  • Odawa Petoskey Casino
  • Fire Keepers Casino
  • Island resort and casino

Delaware Poker Revenue Helps State iGaming Hit $1 Million

The first state also recorded monthly gains, reporting $36,050 for online operators, up from $32,280 in February.

According to Delaware Lottery, iGaming in total showed a net of over one million dollars. New player registrations remained strong with 886 in March.

In Delaware, 888poker operates three different skins in partnership with Delaware Racetrack Casinos, including:

  • Delaware Park
  • Bally’s Dover
  • Harrington Casino and Racecourse

Delaware Park continues to hold the top spot each month in the state for online poker, grossing $17,687 in March. Delaware Park is the only live poker room open in the state and is currently looking for dealers.

Online Bingo Games Market – The New York Irish Emgirant

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An Online Bingo Games report has been released which provides an overview of the global Online Bingo Games industry along with a detailed explanation that provides a lot of information. The definition of the product/service as well as the different applications of this product/service in the different end-user online bingo games industries can be found in the overview. There is also ample information that highlights the growth trajectory of the global online bingo games market. The information provides a solid basis for the online bingo games market to be segmented into different segments. In fact, the information also displays the maximum market share during the forecast period by 2030.

In addition to the above, the information is based on the highly competitive partners, key players along with their market revenue during the forecast years from 2021 to 2030. Emphasis is also on product revenue, sales, product categories, and even which products are seeing the most traction. In this way, the Online Bingo Games report also speaks about the effectiveness of the Online Bingo Games market along with its growth during the forecast period of 2030. Other major attributes of the Online Bingo Games market Online bingo games have been researched and analyzed through numerous developments. This paints a picture of a strong market grip for the period ahead.

Key Players Covered in this Online Bingo Games Study

NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech

By Type Poker Casino Sports Betting OtherBy Application Entertainment Commercial Other

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Segmentation in the Online Bingo Games Market:-

The global online bingo games market has been segmented based on different aspects. The market is also segmented by region. This segmentation has been followed with the aim of extracting information about the online bingo games market that is both detailed and accurate. The global online bingo games market has been segmented into Latin America, North America, Asia-Pacific, Europe, Middle East and Africa on the basis of region.

Research Methodology

The Online Bingo Games report definitely has its roots in the in-depth strategies provided by the proficient data analysts. The research methodology involves the collection of information by analysts only to study and filter it thoroughly with the aim of providing significant predictions about the Online Bingo Games market during the relevant period. The online bingo games research process further includes interviews with key market influencers, which makes the primary research relevant and practical. The secondary method gives direct insight into the connection of demand and supply in the online bingo games market. The Online Bingo Games market methodologies adopted in the report offer accurate data analysis and provide a tour of the entire Online Bingo Games market. Both primary and secondary data collection approaches were used. In addition to this, publicly available sources such as SEC filings, annual reports, and white papers have been used by data analysts for an in-depth understanding of the online bingo games market. The research methodology clearly reflects an intention to extract a comprehensive view of the Online Bingo Games market by analyzing it against numerous parameters. Valued contributions improve the online bingo games report and provide an advantage over peers.

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Drivers and Constraints

The global online bingo games market relies on the impact of major players who continue to fund the growth of the market significantly every year. The Online Bingo Games report studies the value, volume trends, and pricing structure of the Online Bingo Games Market in order to be able to predict maximum growth in the future. In addition, various suppressed growth factors, restraints, and opportunities are also estimated for the advanced study and suggestions of the market during the evaluation period.

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Justin Bonomo lost $1 million because of online poker…

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Justin Bonomo has joined the chorus of players unhappy with the amount of alleged cheating in the high stakes community. Alex Foxen recently exposed Ali Imsirovic as an alleged prolific cheater who was banned from GGPoker for multi-accounting and using real-time support.

Suspicion that he recently peeked at Paul Phua’s cards at a high-stakes event has some prominent figures in the poker community saying enough is enough.


Justin Bonomo gives his opinion

Just a few weeks ago, high-stakes poker heavy hitters Jason Koon and Fedor Holz speculated about a poker blacklist for online cheaters where they would be banned from prestigious live events.

Now, that idea is gaining momentum given the continued outcry over Ali Imsirovic’s behavior.

Justin Bonomo began his response by asking the poker community to refrain from insulting Alex Foxen for taking the lead on this matter, given his sometimes controversial opinions and previous accusations of his own transgressions.

“Foxen’s worldview is very different from mine, and I strongly disagree with some things he has done and said. But I have respect for people who knowingly risk exposing themselves to storms. shit, seeking no personal gain, for the good of the community”,

Bonomo says we should choose another time to call Foxen but let him do his thing today to avoid hampering the message. More than fair.

In September 2020, GGPoker banned 40 accounts, 13 of which had their balances confiscated to the tune of $1,175,305.43. Justin Bonomo says he spoke to a reliable source who gave him information about the scandal.

1) Violations range from viewing preflop charts, to occasional RTA, to constant + auto RTA, to total collusion with horses (or MA) who were also using RTA software

2) I was told that A was the second biggest offender, while someone whose first name starts with the letters “Ja” was by far the biggest

He added that he himself had been a victim of this unethical behavior.

3) I lost over a million in games where I believe this was happening. Feels bad man.

4) I am told that the evidence goes well beyond hand tidbits and is completely irrefutable. I haven’t seen it personally, but I trust the source

Bonomo was quick to point out that the “Ja” clue was definitely not Jason Koon, one of the most respected members of the high stakes community. This leaves no suspects other than Jake Schindler.

After such a fallout over the past six months, there will be a lot of pressure from respected high-stakes players on the companies that run major live poker festivals to engage in blacklist discussions.

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Sports betting operator Luckbox adds over 100 games from Microgaming

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True Luck Groupit is Lucky boxa global provider of sports betting, sports betting and licensed casino games, announced a new partnership with an online casino software provider on Wednesday Micro game.

The partnership adds over 100 games to Luckbox Casinoincluding 9 Masks of Fire, Book of Oz, Immortal Romance and branded titles such as Jurassic World, Game of Thrones and Lara Croft.

Luckybox’s casino was launched in December 2021 to help generate short-term income. With the Microgaming partnership, the Luckbox casino now offers over 450 games for users to bet on.

The announcement of the agreement ICE London 2022the largest igaming convention in the world, Daniel Lundberg, Luckbox Casino Manager said, “Microgaming is a renowned provider of premium casino games, and this partnership greatly enriches the content offering for our players. Luckbox is designed for a new generation of gaming and esports players that we plan to monetize for decades to come.. This philosophy extends to the casino, where we strive to deliver the best possible content and user experience based on a strong data-driven approach and we are already seeing promising early adoption from our players. »

The global online casino market is estimated to be worth US$134.9 billion in 2021 and could reach US$159.8 billion by 2026, growing at a CAGR of 3.45%, according to ResearchandMarkets.com .

ICE London 2022: executives and delegates

GOP Votes ‘Neigh’, Blocks Kentucky Online Poker, Sports Betting Bill

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I’m disappointed. I am for sports betting. I want to make it clear that I did everything I could to get it passed, but I can’t force people to vote ‘yes’ on something they oppose.Legal online poker isn’t coming to Kentucky in 2022. The next year doesn’t look very promising either.

But, to hear sports betting proponents tell it, the political landscape should be more favorable in 2023, despite a pair of quirks in the state constitution that dictate when the Kentucky General Assembly meets and how much support a Bill must be passed in odd periods. – numbered years.

Supporters of HB 606, a bill that would have legalized online poker and sports betting in Kentucky, failed to make it out of committee on Thursday, the last day of the 2022 legislative session. The bill had been referred to the Senate Committee on the Economy. Development, Tourism and Labour, but it was never put to a vote.

A separate bill – HB 609, which called for the creation of a problem gambling initiative in the state, funded by $50 million from a $300 million settlement with PokerStars – also died in committee, the Senate Appropriations and Revenue Committee.

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Why Kentucky’s Online Gambling Bills Didn’t Pass

In a candid interview with Senate reporters Thursday, Senate Majority Leader Damon Thayer (R-Georgetown) said he and other supporters of online poker and sports betting in Kentucky “don’t just didn’t have the votes” to get the bill. across the finish line.

“It wasn’t about not having enough voice in [the GOP] caucus,” Thayer said. “It was about not getting enough votes, period – Republicans and Democrats. In the whip’s latest count, the undecideds who have been worked on quite heavily by sports betting advocates over the past week, have all tipped to “no.”

“I’m disappointed. I’m all for sports betting. I want it to be clear that I did everything I could to get it passed, but I can’t force people to vote ‘yes’ on something they oppose.”

Thayer said he believed the General Assembly’s decision last year to legalize betting on historic horse races (HRH) may have torpedoed HB 606 and HB 609’s chances of winning passage this year. Lawmakers approved SB 120, which defined “pari-mutuel betting” to include races already held, in February 2021.

“I think it probably happened too soon after the HRH vote last year. Maybe next year – we will pass the elections, we will be two years younger HRH. We will welcome new members here. I think we’ll get more sports betting votes next year, really.

Reasons for optimism (and pessimism) for Legal Kentucky iGaming in 2023

I think defenders should be optimistic. Sports betting went further than ever at the Kentucky General Assembly.Building on that sense of optimism, Thayer said he’s “pretty energetic” that sports betting — and poker, presumably, since it’s included in the bill — will become legal in Kentucky. He praised Rep. Adam Koenig (R-Erlanger) for getting both bills out of the state House of Representatives. “It gave him more energy here [in the Senate] than ever before,” Thayer said.

“I think defenders should be optimistic. Sports betting went further than ever at the Kentucky General Assembly. It will always be very difficult because of religious concerns in rural areas in particular. We just have to keep trying.

But the passage will be difficult to hoe in 2023. The state constitution stipulates that the legislature only meets for 30 days in odd years, compared to 60 days in even years. This means that supporters of HB 606 will have half the time they had in 2022 to convince others to support similar legislation in 2023.

The state constitution also specifies that bills that would increase revenue — such as a KY online gambling bill — must have the support of three-fifths of lawmakers in each house of the legislature.

This could be a tall order, as it would mean an iGaming bill would need the support of 60 members of the state House of Representatives and 23 state senators. By comparison, HB 606 only got 58 votes when it passed the House on March 18. Thirty votes were against.

Considering that it would likely take at least a year to establish a regulatory framework for online poker and sports betting in Kentucky, it seems unlikely that either would be legal in the Bluegrass State. by the end of 2024. It’s also unclear which carriers would be interested in launching in Kentucky, a state that ranks 26th in population and has a population of about 4.5 million. Still, Kentucky’s population is higher than that of Connecticut and West Virginia – two states where online poker is legal, but do not yet have live operators.

This year marks the third straight year that a bill that would have allowed online poker and sports betting in Kentucky has died in committee.

HB 137 was introduced in the 2020 legislative session, while HB 241 appeared a year later. Both had similar tax rates and fee structures, but the latter would have allowed sportsbooks to partner with professional sports venues of at least 50,000 seats.

Real Luck Group Partners with Microgaming at ICE 2022 to Enhance Luckbox Online Casino

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Deal adds 100 casino games to next-gen betting platform

CALGARY, Alta. and the Isle of Man, April 13, 2022 /PRNewswire/ – Real Luck Group Ltd. (TSX.V: LUCK) (OTCQB: LUKEF) (the “Company”) and its subsidiaries doing business as “Lucky box(the “Group”), an award-winning provider of sports betting, sports betting and licensed casino games, announces a new partnership with online casino software provider Microgaming.

Luckbox now offers over 450 casino games. (CNW Group/Real Luck Group Ltd.)

The partnership adds over 100 games to Luckbox’s casino, including 9 Masks of Fire, Book of Oz, Immortal Romance™ and branded titles such as Jurassic World™, Game of Thrones™ and Lara Croft®.

Luckbox Casino was launched in December 2021 to help generate short-term income. With the Microcaming partnership, Luckbox’s casino now offers over 450 games for users to bet on.

Luckbox Casino Manager Announces Deal at ICE London 2022, the World’s Largest Igaming Convention Daniel Lundberg said, “Microgaming is a renowned provider of premium casino games, and this partnership greatly enriches the content offering for our players.

“Luckbox is designed for a new generation of gaming and esports players who we plan to monetize for decades to come. This philosophy extends to the casino, where we strive to deliver the best content and user experience. possible, based on a strong data analysis-dynamic approach and we are already seeing promising early adoption from our players.”

The global online casino market is estimated at US$134.9 billion in 2021 and could reach US$159.8 billion by 2026, growing at a CAGR of 3.45%, according to ResearchandMarkets.com.

Allocation of stock options

The Company announces that it has granted a total of 80,000 stock options under the Company’s stock option plan to employees, an officer and a consultant of the Company during price of CA$0.21 per stock purchase option, representing the closing price of the Company’s shares at March 29, 2022, exercisable for a period of 3 years from the date of allocation; 10% immediate vesting, 10% six months from date of grant and 20% every six months thereafter.

About Lucky Box

Luckbox is an award-winning next-gen gaming platform that offers real-money legal betting, live streams and statistics on all major esports, as well as desktop sports betting and casino games and mobile devices. Luckbox is owned by Real Luck Group, listed on the Toronto Venture Exchange (TSXV: LUCK) and OTC (OTCQB: LUKEF). Luckbox’s proprietary technology stack is built by a team combining gaming industry experience with a passion for gaming and esports, enabling the company to benefit from business intelligence and acquisition of superior players, while providing players with an industry-leading user experience and betting offering. Luckbox operates in over 80 territories worldwide and holds a B2C and B2B gaming license under the Online Gambling Regulation Act (OGRA), issued by the Isle of Man Gambling Supervisory Commission . Luckbox is committed to supporting responsible gaming.

About Microgaming

Microgaming provides online gaming operators in markets around the world with access to a diverse, industry-leading portfolio of content from its growing network of exclusive independent studios, as well as top-performing partner games through its award-winning aggregation platform. Creators of the world’s first true online casino software in 1994, and home to legendary online slots such as Immortal Romance, Thunderstruck II and Book of Oz, Microgaming offers a brand lineup that includes Game of Thrones™, Jurassic World ™ and Lara Croft® Temples and Tombs™. Microgaming’s popular progressive jackpot network has paid out over €1.55 billion to date and features the record-breaking Mega Moolah slot. Driven by a diverse and inclusive workforce that thrives on innovation, the Isle of Man-based supplier empowers its employees to be nimble and adventurous, relying on unlimited creativity to compete worldwide. And through its staff-led CSR program, Microgaming PlayItForward, it gives back to the community, causing positive change for people, place and planet.

Follow Luckybox on Twitter / Facebook / LinkedIn

CAUTION REGARDING FORWARD-LOOKING STATEMENTS

The TSX Venture Exchange has neither approved nor disapproved of the contents of this press release. Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

This press release may contain certain “forward-looking statements” and ” information” within the meaning of applicable Canadian securities laws. When used in this news communicated, the words “anticipate”, “believe”, “estimate”, “expect”, “target”, “plan”, “expect”, “may”, “appendix” and other similar words or expressions identify forward-looking statements or information. These statements represent the Company’s current views with respect to future events and are necessarily based on a number of assumptions and estimates which, although considered reasonable by the Company, are by their nature the subject of significant activities, economic, competitive, political and social risks, hazards and uncertainties. Many factors, both known and unknown, could result in results, performances or achievements materially different from the results, performance or achievements that are or may be expressed or implied by such forward-looking statements. The Company does not intend, and undertakes no obligation, to update such forward-looking statements or information to reflect changes in assumptions or changes in circumstances or any other event, such statements and information other than those required by applicable laws, rules and regulations. .

The Luckbox team at ICE London 2022. Left to right COO Benn Timbury, Casino Director Daniel Lundberg, CEO Thomas Rosander and Head of Affiliates Mike Bazzi.  (CNW Group/Real Luck Group Ltd.)

The Luckbox team at ICE London 2022. Left to right COO Benn Timbury, Casino Director Daniel Lundberg, CEO Thomas Rosander and Head of Affiliates Mike Bazzi. (CNW Group/Real Luck Group Ltd.)

Quote

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SOURCE Real Luck Group Ltd.

Real Luck Group partners with Microgaming to boost online casino

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In a recent announcement that took place at ICE London 2022, it was revealed that the Real Luck Group has partnered with Microgaming. The move, which unites an industry-leading betting platform with an advanced casino software provider, will see Real Luck Group’s offering significantly expanded. At the heart of this partnership is a collection of over 100 casino games which will be added to Luckbox Casino, operated and owned by the Real Luck Group.

There was no better stage for this announcement to take place, given the profile of the ICE London event. This is the largest iGaming convention in the world, and the biggest players in the industry share the floor. Over the past few months, a series of announcements have come from within the True Luck Group, signifying the continued success of the organization. This year, iGaming veteran Bo Wanghammar joined the board of directors of Real Luck Group, and last year, in 2021, many partnerships were announced during a company expansion.

Top quality games on a top quality platform

The Luckbox team at ICE London 2022

This partnership between the Real Luck Group and Microgaming will bring over 100 new casino games to the Luckbox platform. There’s a stellar list of titles joining the fray, from 9 Masks of Fire and Immortal Romance to brand-exclusive titles like Jurassic World, Game of Thrones and Lara Croft. It’s a prolific list and these games are already popular, meaning they’ll be a hit for new users and veteran bettors alike found on the Luckbox platform.

In a statement, Luckbox Casino Director Daniel Lundberg had some great things to say about the partnership:

Microgaming is a renowned provider of premium casino games, and this partnership greatly enriches the content offering for our players.

It is only in December 2021 that the Luckybox casino platform has been revealed, and it has already established itself as a popular offering. For more on the platform in general, you can check out our full Luckbox review.

The future of Lucky Box

As it stands, the Real Luck Group is building a progressive and forward-looking platform in Luckbox. This partnership with Microgaming is tangible proof of this, offering a significant expansion to customers already neck and neck. at Luckbox Casino. However, it doesn’t end there, as Daniel Lundberg further explained about the mission statement that Luckbox publishes:

Luckbox is designed for a new generation of gaming and esports players that we plan to monetize for decades to come. This philosophy extends to the casino, where we strive to deliver the best possible content and user experience based on a strong data analytics driven approach and we are already seeing a promising initial update from our players. .

With the rapid growth of the sports betting industry, platforms like Luckbox seek to dominate the market. As time passes and technology becomes more advanced, partnerships like these will be the building blocks of success for organizations looking to take advantage of this growth.

Real Luck Group Ltd Announces Partnership with Microgaming at ICE 2022 to Enhance Luckbox Online Casino

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Real Luck Group Ltd (TSX-V: LUCK, OTCQB: LUKEF), which together with its subsidiaries does business as Luckbox, told investors it has partnered with the online casino software provider Microgaming.

Announcing the deal at ICE London 2022, the world’s largest igaming convention, Luckbox Casino Director Daniel Lundberg said: “Microgaming is a renowned provider of high-quality casino games, and partnership significantly enriches the content offering for our players.”

The company said the partnership adds more than 100 games to Luckbox’s casino, including 9 Masks of Fire, Book of Oz, Immortal Romance, and branded titles such as Jurassic World, Game of Thrones, and Lara Croft. Luckbox Casino launched in December 2021 to help generate short-term revenue. With the Microgaming partnership, its casino now offers more than 450 games that users can bet on.

READ: Real Luck Group announces partnership with Raketech Group, a leading performance marketing company

“Luckbox is designed for a new generation of gaming and esports players that we plan to monetize for decades to come,” Lundberg added. “This philosophy extends to the casino, where we strive to deliver the best possible content and user experience based on a strong data-driven approach and we are already seeing promising early adoption from our players.

Luckbox noted that the global online casino market is estimated to be worth US$134.9 billion in 2021 and could reach US$159.8 billion by 2026, growing at a compound annual growth rate (CAGR). ) by 3.45%, according to ResearchandMarkets.com.

Luckbox offers legal real money betting, live streams and statistics on all major sports and esports on desktop and mobile devices. The company has a business-to-consumer (B2C) platform and by leveraging shared technology, data and resources, the company offers a wide range of betting options for esports tournaments .

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partypoker and bwin launch online poker in Ontario and join BetMGM for the Three-Skin Network

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Overlaid screenshots of bwin ontario poker room, betmgm poker ontario platform and partypoker platform.  partypoker and bwin just launched online poker in Ontario, joining BetMGM for the Three-Skin Network

I’m really excited that our three Party brands are entering the Ontario market.partypoker and sister brand bwin both launched online poker in Ontario. The pair teamed up with BetMGM Poker, which launched a week ago, to form a three-way online poker networkdividing liquidity between cash games and tournaments.

Including 888poker Ontario, which went live first in the province on April 4th, that means there are now four online poker rooms and two networks now active for real money online poker in Ontario.

“I’m really excited to have our three Party brands entering the Ontario market,” said Vic Walia, General Manager of Party Brands in a press release. “Recreational and professional gamblers living in Ontario will be able to experience a world-class gaming product in poker, casino and sports.”

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Bwin’s Surprise Poker Launch Creates Three Room Network

The launch of partypoker Ontario was expected — pokerfuse revealed this last week. He was also known to link up with his partner, BetMGM Poker Ontario, with the pair pooling the cash.

The launch of bwin Poker Ontario, however, comes as a surprise. While the bwin brand – which, like partypoker, is 100% owned by parent company Entain – had applied for its online gaming licenses in Ontario, but one would have assumed it would be a sports launch and casino only – bwin is only really notable in certain markets, notably Germany and Austria.

BetMGM Poker Ontario Online Poker TournamentThe fact that the operator has released all three skins is great news for Ontario gamers. It should bring in more liquidity from the global pool, instantly increasing traffic.

The trio have certainly been bold from the start with their tournament schedule. Previously, BetMGM revealed some of its plans for MTTs, but no guarantees were posted. The full list of tournaments has been listed in the client and things are looking really ambitious.

Every day, the network plans the daily c-notea BODY $109 buy-in tournament that guarantees BODY $10,000. This will require 100 entries to cover (or 92, not including rake), certainly an optimistic goal for a fledgling network. On Sundays, this guarantee is reinforced for BODY $15,000.

BetMGM Poker Ontario Network: Weekly MTB Strong points

  • The Daily C-Note: $109 buy-in with $10,000 guaranteed
  • Tuesday and Thursday High Roller: $530 buy-in, $10,000 guaranteed
  • Sunday 100: $109 buy-in, $15,000 guaranteed
  • Sunday High Roller: $530 buy-in, $25,000 guaranteed

Twice a week there is also a high roller, with a BODY $530 buy-in and another BODY Guarantee of $10,000; on Sunday it went to a pretty staggering level BODY $25,000 – need to attract 50 high roller entries to cover.

Among all of these are a wide variety of other guaranteed daily tournaments, from low stakes Fight (BODY $3.30 buy-in, $500 guarantee) until intermediate bets $33 (BODY $3,000 guarantee). These tournaments are almost certain to overlap initially, meaning huge value for players who register early and take advantage.

This scenario has already happened at Ontario’s first online poker room, 888poker Ontario. It has similar tournaments – like a $109 PKO To scold ($10,000 guarantee) and a $215 ($4,000 guarantee). Overlays of 50% to 70% were observed in the first days. It offers massive additional value to its new online poker customers.

Besides tournaments, there is also a full range of other game types. Just as we reported with the launch of BetMGM Poker Ontario, there are cash games, fast-fold, SNGs and lottery SNGs (called Towers on the partypoker software). Buy-ins and game types are a bit limited at the moment, but this selection should expand as more players start showing up at the tables.

Download the BetMGM Ontario app and get in on the action or learn more about one of Ontario’s hottest new network members in our comprehensive BetMGM Poker Ontario review »

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Last check: April 2022

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  • Wide range of cash game stakes
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Ontario Online Poker Networks: Side-by-Side Comparison

Feature BetMGM Network 888poker
Species NL10 to NL2500 NL2 to NL5000PL2 to PL500
Quick folding NL 10 to NL 200 NL2 to NL25 PL2 and PL10
NSE BODY $1 to $100 Hypers, 6-max and Heads-Up Nothing
Lottery SNG CA$1, $5, $10 (no Ultra) 10c, $1, $5, $10, $20
MTT Fully Guaranteed MTB program Fully Guaranteed MTB program

Four online poker rooms in Ontario will soon grow to six

For a population of just 14 million, four online poker rooms might already seem like too many and the market is sure to grow again soon, with GGPoker and PokerStars planning to enter the regulated market.

PokerStars has not yet been approved by regulators, but it has assured fuse poker recently that it was “closer” to a launch. Meanwhile, it can continue to serve the market from abroad, providing the global pool of players. And he expects to do it until SCOOP concludes – which puts a launch in June at the earliest.

GGPoker seems to be more advanced, having secured its AGCO Licence. It plans to launch, in partnership with the WSOP. However, it also announced a delay in its launch.

Ontario Online Poker: April 12 Update

Operator AGCO Licence? iGO authorized? To throw
888poker Yes Yes Launched April 4
BetMGM Yes Yes Launched April 5
PartyPoker Yes Yes Launched April 12, connected with BetMGM
bwin Yes Yes Launched April 12, connected with BetMGM
GGPoker/WSOP Yes Nope Delayed launch
PokerStars Nope Nope Delayed launch

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