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Credit Card Consolidation Can Save You Thousands of Dollars as Personal Loan Rates Are at All-Time Highs

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Borrowers with good credit may be able to save thousands of dollars by consolidating credit card debt into a new loan. (iStock)

Making minimum payments on high-interest credit card debt is an expensive way to pay off your balances. Credit card interest accrues daily, which adds to the total cost of paying down debt over time.

A personal loan is a common way to consolidate credit card debt. This is a type of unsecured lump sum loan that you repay in fixed monthly installments at a lower interest rate. And since personal loan rates are lower than they’ve ever been, paying off credit card debt can save you more money than ever before.

In the fourth quarter of 2021, the average two-year personal loan rate set a new record at 9.09%, according to the Federal Reserve. During the same period, the average credit card rate for interest accounts was much higher, at 16.44%.

Personal loan rates vs credit card rates

Keep reading to learn more about credit card consolidation and visit Credible to compare personal loan rates for free without affecting your credit score.

MILLIONS OF AMERICANS FEAR MISSING DEBT PAYMENTS, NY FED REPORTS

Despite Rising Credit Card Debt, Consolidation Is Cheaper Than Ever

Americans increasingly rely on credit cards as debt balances soar, says the Federal Reserve Bank of New York. Outstanding credit card debt rose 6.5% in the fourth quarter of 2021 as consumers added a record $52 billion to their balances.

Credit card debt, NY Fed

In an age of skyrocketing credit card balances, consolidating debt into a personal loan at a lower interest rate is more beneficial than ever.

A recent analysis estimates that paying off $10,000 in credit card debt with a two-year personal loan at a rate of 9.09% can save borrowers more than $4,000 in interest costs per compared to the simple minimum payment by credit card. By refinancing using this credit card repayment strategy, borrowers can pay off their balance 10 years faster by adding just $57 to their monthly payments.

Pay off $10,000 in credit card debt

It may also be possible to save money over time and lower your monthly payments by consolidating a longer-term personal loan. Keep in mind that longer personal loan terms usually result in higher rates, but you may still be able to get a lower fixed interest rate than what you’re currently paying on your credit cards.

The average fixed rate on a five-year personal loan was 12.65% for qualified applicants who took out a personal loan on Credible during the week of January 31. Paying off $10,000 of credit card debt under these personal loan terms can potentially reduce your monthly payment by $174 while saving you over $1,500 over the repayment period.

You can estimate your personal loan repayment terms on Credible for free and see how much you can save using a credit card consolidation loan calculator.

HOW TO GET A BALANCE TRANSFER CREDIT CARD

How to consolidate credit card debt with a personal loan in 5 steps

Using a personal loan for credit card debt consolidation can help you save money while paying off your debt in predictable monthly installments. Here’s what the personal loan application process looks like:

  1. Add up all your credit card balances. This will help you determine how much personal loan you need to borrow to pay off your credit card debt. You can consolidate the balances of one or more credit cards into one personal loan payment.
  2. Check your credit score. Since personal loans are unsecured and do not require collateral, lenders use your credit history to determine your risk and eligibility. Applicants with very good to excellent credit, defined by the FICO model as a credit score of 740 or higher, will see the lowest personal loan rates.
  3. Shop around for personal loan rates. Most lenders will let you see the terms of your loan, including estimated interest rates, with a soft credit check through a process called prequalification. You can compare personal loan rates from multiple lenders at once using Credible.
  4. Choose the best personal loan. When comparing offers, you need to consider the interest rate, origination fees, loan amount and loan term. Once you’ve chosen a lender, you’ll need to submit a formal application, which will require a thorough credit check.
  5. Use the loan to pay off your credit cards. If your application is approved, you will receive a personal loan the next business day. It can usually be deposited directly into your bank account. You can then use your personal loan balance to pay off your credit cards.

HOW TO CHECK YOUR CREDIT REPORT FOR FREE WITHOUT PENALTIES

Although your credit card balances may be reduced to zero, it is important to avoid accumulating more debt while you are paying off your personal loan. You should always prioritize paying off your credit card debt in full each month to avoid paying interest.

You can learn more about debt consolidation loans from online lenders by visiting Credible. Also, browse the current personal loan interest rates in the table below to decide if this method of debt repayment is right for your financial situation.

BALANCE TRANSFER CARDS WITH 0% APR INTRODUCTORY PERIODS ARE DISAPPEARING QUICKLY

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.

FSB enters the Slovak market with Hungarian Szerencsejáték Zrt – Online Lottery

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Sports betting and gambling service provider FSB will power bookmaker betRing from SZRT Slovakia, marking the Hungarian National Lottery’s first foray into a new market.

The multi-year deal will see the FSB power bookmaker betRing.sk from SZRT Slovakia. SZRT Slovakia is powered by the Hungarian state lottery Szerencsejáték Zrt (SZRT), its first release outside its local market.

The FSB said it views the deal as an opportunity to prove it can provide a top-tier product to other state lotteries looking to break into new markets. The company recently appointed Chris Graham as its new head of global B2B marketing.

“We are delighted to partner with SZRT Slovakia on this exciting multi-year agreement to become their trusted technology partner,” said FSB Chief Executive David McDowell. “Winning the highly competitive, multi-vendor bidding process for this opportunity is a great testament to our agile technology and growing industry profile.
“It has been extremely gratifying to see the talented and highly motivated teams from Slovakia and the FSB working together. This collaboration has enabled SZRT Slovakia to create an exceptional and feature-rich sports betting experience for the Slovak market through its betRing brand.

Hungary recently introduced igaming legislation that would end state monopolies.

The Slovak market was opened to private operators in 2018 after parliament approved the country’s new gambling law. The Slovak National Council overruled a veto by President Andreja Kiska to pass the legislation.

The law allowed fixed-odds betting licenses, limited the number of slot machines to 15 per arcade, and only allowed machines from one game provider in each arcade. Playing places also had to be more than 200 meters from schools or medical facilities.

Miroslav Baranec, CEO of SZRT Slovakia, described FSB as “the standout candidate” during the bidding process.
“FSB has delivered a premier sports betting experience incorporating in-depth localized features and content like floorball, esports and the ongoing Winter Olympics,” he added. “We are confident that this comprehensive offering will help us recruit, retain, engage and entertain customers in this competitive market.”

Online Bingo Games Market Size, Value, CAGR, Analysis

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New Jersey, United States,- Online bingo games market Research offers you all the data related to your industry size, general operating models and growth potential. It talks about the characteristics of customers in a specific industry. It also shows how the COVID-19 pandemic is having serious economic consequences around the world. This market research report further reveals how to mitigate these severe impacts on society.

This in-depth market research provides an overview of key industries contributing to market growth. It also shows mergers and acquisitions between startups, as well as the strategies, product launches and affiliations of major competitors. Market companies are increasingly making efforts to adopt new technologies to gain a competitive advantage in the face of fierce market competition. Most companies are constantly on the lookout for new breakthroughs, acquisitions, long-term agreements and technological developments to maintain their position in the market. This detailed Online Bingo Games Market report will greatly help the industry to identify major threats and potentials. It also includes a detailed SWOT analysis and cost structure view. It also covers important facts about various technologies as well as product improvements in the market.

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This Online Bingo Games Market analysis acts as a resourceful way to furnish businesses with crucial data on the crucial advancements and market strategies. Making the right investments is also easy with this easy-to-understand market research report. Big companies will greatly benefit from such informative market analysis to survive in the market and secure their place in the market. The effective business strategies provided here help business players leverage their market presence. It also includes the forecast competitive assessment for the period 2022-2029.

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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Verified Market Reports is a leading global research and advisory company serving over 5000 global clients. We provide advanced analytical research solutions while delivering information-enriched research studies.

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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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Online Bingo Games Market Size and Competitive Analysis – NetEnt, GVC, 888, Ladbrokes Coral Group – The Grundy Register

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New Jersey, United States,- the Online bingo games market The report covers the entire global market scenario including key players, their future promotions, preferred vendors, market shares along with historical data and price analysis. It continues to offer key details on changing dynamics to generate market improving factors. It aims to rationalize the expenses of the company. You can also find the current revenue generation rate and spend score here. The best thing about the Online Bingo Games market report is the provision of guidelines and strategies followed by key market players. The investment opportunities in the market highlighted here will be of great help in moving the business forward. Knowing the current state of the market is the most important thing covered here to help big players survive in the cutthroat market.

This Online Bingo Games Market study depicts the economic disaster induced by the COVID-19 outbreak, which has affected all sectors of the business. A great global economic loss has occurred due to several industrial closures and loss of income. Here, a high degree of information is offered to assess the market situation.

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Key market observation is conducted to draw key conclusions about the growth of the business. In the Competitive Assessment section, this Online Bingo Games Market report sheds light on the list of manufacturers, market conditions, current trends, company profiles and market innovations. It becomes easy for the market players to seize the right opportunities as this report analyzes the weaknesses and strengths of the various competitors in detail. The regional market as well as applications analyzed here to provide the right business opportunities for the business players. This Online Bingo Games Market report is the perfect blend of customer performance and economic trends to enhance business ideas. It also facilitates the task of the main actors of the company by reducing the risks associated with the activity.

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-categorized 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?

For more information or query or customization before buying, visit @ https://www.verifiedmarketreports.com/product/online-bingo-games-market-size-and-forecast/

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Verified Market Intelligence is our BI platform for market narrative storytelling. VMI offers in-depth forecast trends and accurate insights on over 20,000 emerging and niche markets, helping you make critical revenue-impacting decisions for a bright future.

VMI provides a global overview and competitive landscape with respect to region, country and segment, as well as key players in your market. Present your market report and results with an integrated presentation function that saves you more than 70% of your time and resources for presentations to investors, sales and marketing, R&D and product development. products. VMI enables data delivery in Excel and interactive PDF formats with over 15+ key market indicators for your market.

Visualize the online bingo games market using [email protected] https://www.verifiedmarketresearch.com/vmintelligence/

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Verified Market Reports is a leading global research and advisory company serving over 5000 global clients. We provide advanced analytical research solutions while delivering information-enriched research studies.

We also provide insight into the strategic and growth analytics and data needed to achieve business goals and critical revenue decisions.

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

USA: +1 (650)-781-4080
UK: +44 (753)-715-0008
APAC: +61 (488)-85-9400
US toll free: +1 (800)-782-1768

E-mail: [email protected]

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

That was the average credit card balance in 2021. How does yours compare?

Image source: Getty Images

Do you have too much unhealthy debt?


Key points

  • A new survey reveals that the typical American had a credit card balance of $1,847 last year.
  • That’s down from 2020, but an issue still worth fixing.

If you have a balance on your credit cards, you are not alone. Many people end up with credit card balances, often due to circumstances such as unexpected bills. And let’s face it, it’s not uncommon to have a sale after the holiday season, when it feels like there’s a lot of pressure to spend.

If you owe money on your credit cards, you might be curious how your balance compares to that of a typical borrower. A recent NFCC and Wells Fargo survey may have your answer.

In 2021, the average credit card borrower owed $1,847. That’s a noticeable drop from 2020, when the average borrower had a balance of $2,906.

But while it’s encouraging to see the average credit card balance decline, a better-case scenario would be for consumers to have no credit card debt at all – or at least you to not have one. With that in mind, here’s how to effectively clear your credit card balance, no matter what.

How to pay off credit card debt

If you owe money on your credit cards, the longer you carry that balance, the more interest you must accrue. This, in turn, could make your debt much more expensive and difficult to repay.

That’s why it’s important to assess your debts and develop a repayment plan. One option is to simply pay off your various cards in order of highest to lowest interest rate. If you cut back on your expenses and temporarily take a second job to earn more money, you may be able to reduce that debt until it’s gone, or at least significantly reduced, by the end. of the year.

Another option is to consider consolidating your debt to make it easier to manage and less expensive to pay off. If you do a balance transfer, you may be able to transfer your existing balances to a single credit card with a lower interest rate – or even an introductory rate of 0%.

You can also consider consolidating your credit card balances by taking out a personal loan, using the proceeds from your loan to pay off your various cards, and then paying off your loan in equal monthly installments. The benefit of going this route is that you’ll generally pay less interest on a personal loan than your credit cards will charge, and also you’ll get a fixed interest rate on your loan (whereas l credit card interest may vary).

Get rid of this debt

Maybe you have a lower credit card balance than the typical US consumer, or maybe your balance is much higher. Out of curiosity, this may help you know what the average credit card balance looks like. But at the end of the day, your best decision is to tackle your specific indebtedness, whether high or low. This way, you can stop wasting money on interest and instead focus on achieving your personal financial goals.

The best credit card erases interest until 2023

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Here’s how paying off $10,000 in credit card debt with a personal loan could save you thousands

Compared to credit cards, personal loans offer lower interest rates and more favorable repayment terms. (iStock)

Credit card spending can be an expensive way to cover the cost of unexpected expenses, like car repairs and surprise medical bills, due to high interest rates. Consumers are likely to pay some of the highest interest rates on revolving credit card debt that rolls over from month to month.

Worryingly, Americans are becoming increasingly dependent on credit card debt in 2021 as revolving credit balances soar to pre-pandemic levels. But fortunately, it may be possible to pay off credit card debt faster using a personal loan, while saving thousands of dollars in interest charges over time.

Keep reading to learn more about the benefits of credit card debt consolidation in a personal loan, and visit Credible to compare debt consolidation loan rates for free without impacting your credit score.

AVERAGE HOUSEHOLD PAYS $1,000 IN INTEREST AND CREDIT CARD FEES PER YEAR

Credit card consolidation can save some borrowers $4,000

Making the minimum payment on your credit cards can be an expensive way to pay off high interest debt. The average credit card interest rate is 16.44%, according to the Federal Reservewhich is much higher than the rates of other financial products like car loans and mortgages.

Consolidating credit card debt into a personal loan is a way to pay off debt faster and save money while doing so. Indeed, average personal loan rates are currently at record highs, according to Fed data – just 9.09% for the two-year loan term.

Average two-year personal loan rate, Federal Reserve

DEBT SNOWBALL METHOD VS. AVALANCHE OF DEBT

A credit card user who makes the minimum payment on credit card debt of $10,000 at a rate of 16.44% will pay $5,000 in interest charges. It will take nearly 14 years of monthly payments of $400 to get out of debt using this method.

This borrower has the potential to save thousands of dollars and pay off his debt 12 years faster by consolidating it into a personal loan. Paying off $10,000 in credit card debt with a two-year personal loan at a rate of 9.09% will save them over $4,000 over time, while adding only $50 to their monthly payment.

To determine your potential savings, use a credit card minimum payment calculator. Then, use Credible’s personal loan payment calculator to determine your new monthly payments and overall interest charges.

PERSONAL LOAN SETUP FEES: ARE THEY WORTH THE COST?

How to pay off credit cards with a personal loan

It’s relatively simple to consolidate credit card debt into a personal loan. The application process can be done entirely online, so you can start saving money without leaving the comfort of your home. Here is what you will need to do:

  • Determine how much you need to borrow. You can consolidate the balances of one or more credit cards into a personal loan, so add up the total debt on all the accounts you want to pay off.
  • Check your credit score. Borrowers with very good to excellent credit scores, defined by the FICO model as 740 or higher, will receive the lowest possible rates on a personal loan.
  • Compare personal loan rates. Most lenders allow you to be prequalified to see your estimated terms with a soft credit check, which won’t affect your credit score.
  • Apply for a formal loan. This will require a thorough credit investigation, which will appear on your credit report with minimal impact on your score.
  • Pay off your credit cards. Personal loan financing is fast, usually available the next business day after loan approval. Use your loan funds to pay down your credit card balance to zero.

If you decide to consolidate credit card debt with a personal loan, it’s important to spend wisely to avoid racking up more credit card debt while you pay off your current debt.

You can browse current personal loan interest rates in the table below and visit Credible to compare rates from multiple lenders at once without affecting your credit score. Shopping around ensures you’ll find the lowest possible rate for your financial situation.

HOW TO GET A BALANCE TRANSFER CREDIT CARD

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.

Sports Betting Software Market to Witness Huge Growth by 2027

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New Jersey, United States,- The research approach of this Sports betting software market report is a mix of primary research, secondary research and expert panel assessments. Secondary research includes industry-related documents as well as press releases, annual reports, and research reports. Other sources for obtaining specific data on strategic expansion opportunities in this market report are trade journals, industry magazines, government websites and associations. The primary research involves conducting phone interviews with numerous industry experts as well as sending email questionnaires (email interactions) and in some cases face-to-face contact for review comprehensive and unbiased overview of this Sports Betting Software Market report across multiple regions. .

Also, it captures the adverse effects of the COVID-19 virus on each country business sector. Some other crucial elements discussed here are buying attitude of customers, strategies followed by major players, key developments, price structure and market share. Topographical observation of the market is also done here on the market environment as well as competitor details. This Sports Betting Software Market report helps in making the right investment in launching the product and gaining huge profits.

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Business owners need to be aware of the latest marketing environment. With this knowledge, business owners thrive. The sports betting software market maps the reactions of competitors and allows business players to remain innovative and reduce business risks. This allows players to avoid repetitive mistakes in the business. One of the easiest ways to run a successful business is to get insightful data on market growth and learn more about market segmentation. The Sports Betting Software Market report focuses on market segmentation to enable business owners to compare the progress. The competitive analysis conducted here for the forecast period 2022-2029 is of great help in helping market players to make relevant changes for the launch of the new product. It helps in understanding important statistics and the level of competition in the market.

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

Get a discount on the purchase of this report @ https://www.verifiedmarketresearch.com/ask-for-discount/?rid=116651

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?

For more information or query or customization before buying, visit @ https://www.verifiedmarketresearch.com/product/sports-betting-software-market/

Visualize the Sports Betting Software Market Using Verified Market Intelligence:-

Verified Market Intelligence is our BI platform for market narrative storytelling. VMI offers in-depth forecast trends and accurate insights on over 20,000 emerging and niche markets, helping you make critical revenue-impacting decisions for a bright future.

VMI provides a global overview and competitive landscape with respect to region, country and segment, as well as key players in your market. Present your market report and results with an integrated presentation function that saves you more than 70% of your time and resources for presentations to investors, sales and marketing, R&D and product development. products. VMI enables data delivery in Excel and interactive PDF formats with over 15+ key market indicators for your market.

Visualize the sports betting software market using [email protected] https://www.verifiedmarketresearch.com/vmintelligence/

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Online Poker Players Offer Their Views on Interstate Agreements

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Many American online poker players have high hopes for 2022including more states seeing legalization. States entering interstate pacts should also be honored.

It’s no secret that shared liquidity would have a huge impact on the industry and USPoker looked into the matter in depth last week. This week, several players added their own thoughts on the matter and what it could mean for the industry.

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Huge potential for American online poker

The US online poker market has seen significant revenue gains since the COVID pandemic. Online poker is currently legal in:

  • Nevada
  • New Jersey
  • Pennsylvania
  • Michigan
  • Delaware

West Virginia and Connecticut have also legalized, but have not yet launched. Currently, WSOP.com has the nation’s only multi-state platform in Nevada, New Jersey, and with 888poker in Delaware. Players at other sites play in “surrounded” environments, meaning they play with others located in that state.

Darren Elias is working with partypoker US Network/BetMGM to be ready when the interstate pacts are approved.

In total, the states legalized for online poker have a population of more than 41 million people. As noted USPoker in last week’s analysis, this could potentially place the entire US player pool in the top 10 in the world.

Individual platforms like PokerStarsWSOP.com/888poker and partypoker american network (BetMGM/Borgata) Poker could see significant gains from interstate pacts.

US/BetMGM Partypoker Ambassador and four-time World Poker Tour champion Darren Elias sees huge potential for the US market. He is working with the platform to be ready once the interstate pacts are approved.

“I think there’s huge potential for American online poker,” he says. “Players are eager to connect and play again in safe and regulated markets, but we are still limited by circumscribed legislation at this time.

“As more states are approved and interstate pacts are finally made, the pool of players will grow rapidly. I work with BetMGM now to lay the framework and be ready for that expansion when it comes. I think online poker will once again be a major market in the United States, and BetMGM will lead the charge.

Added games, promotions and more

Michael Gagliano

Simply beyond bigger prize and player pools, a lot more could be in the works for players with an expanded market. Longtime New Jersey Grinder Michael Gagliano is also a partypoker US ambassador and LearnWPT.

Gagliano has over $2.3 million in live tournament winnings and is a regular on the Garden State online poker scene. In addition to more cash, he thinks interstate pacts would bring other great rewards to players.

“With more players, sites can offer more variation in games and promotions,” he says. “I hope to see more mixed games like HORSE and more PLO variations.”

A more competitive environment could only benefit players and the diversity of site offerings, he argues.

GGPoker Ambassador Daniel Negreanu also spoke with WPT.com in December on the future of gambling in the United States. He sees online gaming continually developing in the years to come, with current states serving as an example to others.

“Experiments are already happening in Vegas and New Jersey and so on, so people are taking a look and if it looks viable and worthwhile, it’s going to be that way – slowly moving forward. I think people better not worry about a federal law because it will never happen – like never.

Powerball meets online poker

Isaac “KingBoss93” Vasquez hails from Reading, Pennsylvania and won the PokerStars PASCOOP Main Event in 2021 for $46,410. He earns his living on online poker sites in Pennsylvania.

isaac
isaac vasquez

Adding shared liquidity could benefit players by creating pools and tournament schedules align with legalized markets, he says. Players would no longer need to hit the road to discover other series.

“I know guys who come out of Jersey or Michigan (to Pennsylvania) while the show is going on, just because the guarantees are better,” he says. “An interconnected pool of players can solve this problem.”

Adding multiple states also makes winning at major events even more meaningful, Vasquez says. A player is no longer a champion in a single state, but has conquered a larger field in a larger part of the country.

“Maybe it’s not the same thing but I watch stuff like the power ball and Mega Millions the lottery being across the states and I don’t see why poker would be any different,” Vasquez says.

Game Integrity would be key, he adds, to any interstate expansion. Aligning the regulations between won’t be a quick process, but will help keep the site safe.

“I know regulations are easier to keep intact when they’re only in one state, so I can only imagine what it costs from state to state,” he says. “It has to be reliable and safe for players to play.

“If we’re talking about multiple states on a network or site, it’s critical to make sure it’s working properly and there are no compromises. Having an account where it logs into the site no matter what state you are in for people traveling would be a good thing.

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Security for the US market

Dan Lupo from New Jersey

Dan Lupo may be a part-time player, but has found huge success in the New Jersey market. Lupo works as an architect by day and smashes online poker by night.

This has included numerous PokerStars titles, three WSOP.com Online Circuit Championship bracelets and one WSOP. wristband online. He sees the addition of interstate pacts not only being good for gamers, but helping to ensure the survival of online sites in the currently fractured US market.

“Frankly, it’s a joke that we still don’t have anything nationally,” he said. “I’m sure poker sites would agree with players – the less they have to cater to individual markets, i.e. each state individually, the better each site will be able to push marketingto manage Gamesplayer needs, staff, etc.

Lupo notes that a new competition would also be nice. He thinks expanded player and prize pools could bring even more players into the mix. This would only help fuel the growth of the market.

“A lot of players, myself included at times, get tired of playing against the same core players day in and day out,” he notes. “In the world of multi-table tournaments, the biggest guaranteed prize pools attract a lot of recreational players and part-time regulars to come and play on a more regular basis.

“I think there’s a lot of potential when the expansion happens, so far I think players have been continually put off by the slow process.”

Leisure & Resorts World Corp Launches First Licensed Online Bingo Product in the Philippines

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Philippine gaming conglomerate Leisure & Resorts World Corp has soft-launched a new online bingo product, Online Traditional Bingo (OTB), in the Philippines – representing the first online traditional bingo game to be licensed by the regulator of PAGCOR game.

Operating under the company’s newest brand, BingoPlus, OTB can be accessed online via customers’ computers or mobile devices, as well as at 18 bingo halls in Metro Manila. LRWC said it plans to expand OTB’s on-site offering to other traditional bingo sites nationwide, with the product expected to become one of its main sources of revenue in the future.

“One of the company’s key strategies is to strengthen online platforms to provide more and better gaming opportunities for customers during the pandemic and beyond,” said new LRWC Chairman Andy Tsui.

“OTB is a great way to enjoy bingo from the comfort of your home without having to miss the social interaction and have the chance to win huge prizes.”

LRWC also announced in September that it had obtained accreditation from PAGCOR to launch a new retail and online sports betting site for local users – the third such company to receive online sports betting accreditation in the United States. alongside MegaSportsWorld and Jade SportsBet.

67% of retirees have credit card debt. 3 steps to pay it off on a fixed income

Image source: Getty Images

Paying off debt can be difficult for retirees, but here’s how to do it.


Key points

  • A new survey reveals that most retirees have credit card debt.
  • Getting a part-time job or, if you’re a homeowner, tapping into the equity in your home, are ways to pay off debt faster.
  • Debt consolidation with a balance transfer credit card or personal loan may also be an option.

When we think of consumer debt, it’s easy to assume that young people are the source. But in reality, many older Americans also carry their share of debt. In one Clever’s recent survey, it was revealed that 76% of retired Americans have some form of debt. And 67% of retirees have a balance on their credit cards that is not paid off.

The problem with credit card debt, however, is that it can be costly. And since credit card interest can fluctuate, it’s easy to get trapped in a cycle where that debt becomes harder and harder to pay off.

This is especially true for retirees who have a fixed income. If you’re largely limited to Social Security as a source of income, you may not have much room in your budget to reduce your credit card debt faster than your current rate. But if you’re keen to eliminate that debt for good, here are three steps you can take.

1. Find a part-time job

Many seniors resign themselves to living on Social Security benefits. But nowadays, it may be easier than you think to get a part-time job that could boost your income and give you money to pay off your credit card debt.

Many employers have become accustomed to working remotely due to the pandemic and are now more flexible. As a result, you may be able to consult remotely in your old field and increase your income in the process. For example, if you were a former numbers digger, you might be able to secure some remote accounting jobs or even data entry jobs.

2. Consolidate your debts via a balance transfer or a personal loan

If you’ve managed to keep your credit score in good shape in retirement, there may be a way for you to make your credit card debt more affordable, which could also make paying it off easier. If you transfer your balances to a new credit card with a lower interest rate — or better yet, a 0% introductory rate — you may have an easier time anticipating that debt and getting rid of it. for real.

Another option is to apply for a personal loan. You will generally pay less interest on one of these loans than what your credit cards will charge you. So if you can’t do a balance transfer or don’t want to go that route, a personal loan is a reasonable alternative.

3. Tap your home equity to make your debt more affordable

If you’re retired and own a home, chances are you have good equity. This is especially applicable right now, as home values ​​are on the rise nationwide.

Just as doing a balance transfer or taking out a personal loan could make your credit card debt more affordable to pay off, so can taking out a home equity loan or a line of credit (HELOC) . If you are able to borrow against your home, you could pay off your credit cards and then pay off your home equity loan or HELOC at a lower interest rate.

That said, you’ll need to be careful to keep up with your home equity loan or HELOC payments. Being too late could put you at risk of losing your home. But these are options worth pursuing if you want to pay off your credit cards and don’t want to risk getting a reverse mortgage.

It’s no surprise that so many retirees have credit card debt. But if you’re in this boat, your best bet is to pay off that debt as soon as possible — and these strategies might get you there.

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Philippines awards country’s first online bingo license to LRWC

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PAGCOR —the state-run Philippine Amusement and Gaming Corporation— issued its first online bingo license. The recipient of the first Traditional Online Bingo (OTB) license is the holding company Leisure & Resorts World Corporation (LRWC)a company listed on the Philippine Stock Exchange working in the gaming and hospitality sectors.

The award of the license will allow the company to offer bingo games on both onsite and offsite platforms.. The group is known nationwide for a wide variety of products, including Bingo Bonanza rooms.

One of the company’s main strategies is to strengthen online platforms to provide more and better gaming opportunities. to customers during the pandemic and beyond,” LWRC President Andy Tsui said in a press release, according to business seeker. “OTB is a great way to enjoy bingo from the comfort of home without having to miss the social interaction and have the chance to win huge prizes.”

The company will soft launch OTB through a new brand called BingoPlus, under its subsidiary AB Leisure Exponent Inc. (ABLE). According to the company, this “innovative game” is set to transform the way traditional bingo is played “by combining the excitement of the old with the convenience of new technology”.

The new product is in line with LRWC’s key strategy to expand its reach through online platforms, and OTB is expected to become one of the main sources of revenue for the company in the futurethe company explained in a statement to the Philippine Stock Exchange on Thursday.

“More bingo customers are expected to sign up as the game is easily accessible online via streaming and can also be played on-site initially at 18 traditional Bingo Bonanza bingo halls in Metro Manila and other provincial areas” , said LRWC.. The company also plans to expand OTB’s on-site offering into other traditional bingo venues nationwide.

The company describes traditional online bingo as ‘the perfect alternative’ for those who enjoyed playing social bingo before lockdown, as it allows players to enjoy bingo from the comfort of their own home. “The social aspect is still there,” the company claims, through online bingo chat rooms where players can “enjoy good banter with other participants.”

While the company sees OTB as a golden opportunity to grow the popularity of bingo through the online space, LRWC remains committed to “examining the possibility of extending the OTB to other on-site branches” of Bingo Bonanza, Bingo Boutique and Gamezone under the Bingoplus brand.

Do Or Die Time for MA’s Online Lottery Effort

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Shutterstock/Peyker

Massachusetts has online lottery bills in the works, despite the state’s difficult history of expanding gambling.

Massachusetts is surrounded on all sides – less Vermont – by states that have already legalized online lotteries. If this gambling bill succeeds, it will probably be thanks to the Bay State feel pressure from neighbors.

It’s a big “if”, though. Tomorrow is the deadline for legislation to come out of the joint committees, which is what it needs to do to have a chance of becoming law this year. Although many states 7 million citizens are surely hungry for online lottery options, lawmakers have to deal with the baggage of years of negative news and gambling studies with problematic results.

What’s going on groundhog day will determine whether the bill makes it out of committee. According to a particular rule in Massachusetts, the first Wednesday in February of the second annual session of the legislature is known as Common Rule 10 deadline. If the iLottery bills do not leave the joint committee studying them, supporters of the bill will have to reintroduce it in the next legislative session.

UPDATED: 02/02/2022

The 2023-2024 season Massachusetts Legislature will have to consider whether to introduce an online lottery bill, as the one for this session is effectively dead.

February 2, SB 203, did not show up for a vote. It remained in “study” status within the Joint Committee on Consumer Protection and Professional Licensing.

Groundhog Day was the Common Rule 10 deadline for withdrawing bills from the committees in which they are studied. That would have meant lawmakers could have considered legalizing an iLottery in Massachusetts in 2022.

This does not happen.

iLottery charges for one year of preparation

In February 2021, Sen. Paul R. FeeneyD-Foxboro, filed SB 203. It and proposed legislation with the same wording, HB 36call for the creation of an iLottery.

These and another measure, HB 316presented by Rep. Daniel CahillD-Lynn, stuck in the same virtual audience.

In June 2021, the Joint Committee on Consumer Protection and Professional License heard the online lottery proposals.

Despite being introduced last year and stalled in committee, the bills are still listed as “current”. However, they were not on the agenda for the last meeting, held on January 10, 2022.

Feeney and Cahill’s offices did not provide comment to RPO for this article. The proposal to the House is sponsored by the office of the state treasurer.

The online lottery has enemies

During this June 2021 hearing, lottery retailers pushed for the status quo. Land ticket sellers have told lawmakers that lottery sales are helping them stay in business during the pandemic. It depends Play MApart of the same network as Online poker report.

These retailers probably believed they had a lot to lose.

An online lottery would likely be a hit in Massachusetts, given that its residents spend the most in the country on tickets. Bay Staters Spend $933.33 one year on lottery tickets, according to a study published in July 2020. This GOBankingTariffs research found that Massachusetts spending totaled more than thrice the expenses of the average American, which were $288.06.

The online casino has allies

Meanwhile, on January 19, Adam Greenblatt, CEO of BetMGM said retail casinos have become allies of online casino operators. When states review online casino legislation, retail casino owners have stopped opposing it as they have found that online gambling is adding to their bottom line.

Land-based casino owners feared that the legalization of online casinos in the United States would cannibalize their revenue.

Meanwhile in May 2021, Boston Harbor again widely featured in the Wynn Interactive Investor Presentation. Wynn Interactive Homes Wynn BET Casino and the associated online bookmaker.

The presentation went into great detail about how WynnBET Sportsbook would have a “home court advantage” because the 208,000 square feet Wynn Resorts The property is “located in America’s Craziest Sports City”. Once Massachusetts legalized online and retail sports betting, it would generate $850 million of gross gaming revenue (GGR) each year, depending on the presentation.

Thus, at least one retail casino owner has advocated the launch of online sports betting in the Bay State. However, the Senate has yet to act on sports betting legislation that the House passed in July 2021. RPO sister site Legal sports report believes HB 3977 could have the best chance of being passed in 2022, and the proposed legislation includes online and retail sports betting.

Now Wynn Interactive is on sale for $500 million.

Even as Wynn waited for Massachusetts to legalize sports betting, the border state Connecticut launched its market for online casino games and sports betting. Nutmeg will also soon have an iLottery and online poker is legal.

New Hampshire and Rhode Island mobile sports bets already accepted and on January 8, western neighbor New York did the same.

Only Vermont remains in the same non-sports betting boat as Massachusetts.

History of Gambling in the Bay State

Perhaps the slow pace of online lottery legalization in Massachusetts is understandable.

Since joining the ranks of retail casino states in 2011, it has had its woes.

Like RPO reported in May 2019:

“First there was the failure of the 2014 repeal referendum.

“There is an ongoing investigation into Wynn Resorts stemming from alleged sexual assaults by former CEO Steve Wyn.

“And the over-again-again first light tribal casino.

“Launch a handful of active chases; accusations of embezzlement by the Massachusetts Gaming Commission which led to the resignation of MGC Chairman Stephen Crosby in September 2018; and disappointing income MGM Springfieldand it’s easy to see why the headlines would conclude that expanding the game has been a nightmare in the Bay State.

It’s a state that could benefit greatly from good gambling news. Will tomorrow be the day, or is the online lottery too big in 2022?

Citi and ExxonMobil expand their credit card offerings

banking giant City and ExxonMobil announced an extension of their longstanding relationship with credit cards, the companies said in a Press release Tuesday (February 1).

The two companies say the extension is an upgrade to the existing ExxonMobil smart card called “ExxonMobil Smart Card+”.

The card offers cardholders in good standing instant savings at the pump with up to 12 cents per gallon on Synergy Supreme+™ premium fuel and 10 cents per gallon on other Synergy™ fuel grades at Exxon and Mobil stations.

Plus, cardholders can get 5% back as a credit on in-store purchases and car washes at Exxon and Mobil outlets for the first $1,200 they spend each year on non-network related purchases. fuel.

“We are excited to launch an enhanced Exxon Mobil consumer credit card alongside Citi Retail Services,” said Yan Cote, head of consumer marketing at ExxonMobil. “We continually evaluate our branded programs and saw an opportunity to offer consumers more savings on everyday purchases at Exxon and Mobil stations. Citi Retail Services has been a valued partner that shares a vision of innovation and delivers meaningful benefits to cardholders. »

Add Leslie McNamara, Business Leader, Partner Management, Citi Retail Services: “Beginning with the launch of the new credit card today, we will continue to work closely with ExxonMobil to deliver value and increase loyalty for new customers. and existing.”

Read more: Citi Retail Services, ExxonMobil let users apply for credit from Speedpass+ app

The partnership between Citi and ExxonMobil goes back 15 years. Five years ago, the two companies expanded their partnership to allow potential cardholders to apply for cards directly through the ExxonMobile Speedpass+ mobile app.

Read more: Brooks Brothers expands credit card alliance with Citi

Tuesday’s announcement comes just days after Citi announced an extension of its credit card relationship with clothing retailer Brooks Brothers to promote omnichannel payment options.

“This agreement signifies our shared commitment to innovation and building next-generation commerce solutions that will drive growth and engagement in an increasingly interconnected physical and digital landscape,” McNamara said at the time.

——————————

NEW PYMNTS DATA: 70% OF BNPL USERS USE BANK PAYMENT OPTIONS, IF AVAILABLE

On: Seventy percent of BNPL users say they would prefer to use the installment plans offered by their banks – if only they were made available. PYMNTS’ Banking On Buy Now, Pay Later: Installment Payments and the Untapped Opportunity of FIs, surveyed more than 2,200 U.S. consumers to better understand how consumers view banks as BNPL providers in a sea of ​​BNPL pure-players.

IGT, GammaStack, Playtech, Betconstruct, Softgamings, Microgaming, SBTech, Betsys, Digitain, BetRadar, EveryMatrix, Novomatic, SB Betting Software – Bristol City Supporters Trust

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This Online Casinos and Gaming Software Market study provides a comprehensive market analysis of the industry in the major economies of the world. The market report has compiled first-hand information assessing the qualitative and quantitative facts of the Online Casinos and Gaming Software industry. The facts and figures presented in the report are supported by industry analysts, industry experts and market players across the online casino and gaming software industry value chain.

Vendor Profiling: Global Online Casino and Gaming Software Market, 2020-28:
IGT
GammaStack
playtech
Betconstruct
Softgamings
Micro game
SB Tech
Betsys
Digitain
BetRadar
Each die
Novomatic
SB betting software

Detailed information on parent market trends, macroeconomic factors driving the market, and insights governing the market, as well as industry attractiveness based on individual segments are provided in the report. The demand for products and services in the market in the short and long term with optimistic growth prospects for the coming year are presented in the report.

We have recent updates of the online casino and gaming software market in a sample [email protected] https://www.orbisresearch.com/contacts/request-sample/4555156?utm_source=PL2

Companies that have launched innovative products to meet an ever-increasing array of human demands are listed in the report. Companies that have been expanding rapidly in several countries around the world, have implemented aggressive strategies to achieve growth and high profits are included in the report as it aims to boost the growth of all small, medium and industry leaders. The strategic choices of important market players to succeed in the online casino and gaming software industry

Analysis by type:
On the site
Cloud-based

Analysis by application:
computer
Mobile phones
Other

Online Casino and Gaming Software Industry Report Highlights:
• Historical data between 2021 and 2025 and future estimates between 2021 and 2025.
• Assessment of the online casino and gaming software industry in major regions, with details on key growth drivers.
• Market segmentation by sector and sub-sector.
• Analysis of key trends, including development stage breakdowns across all industries and planned spend for market players.
• List of major players in the online casino and gaming software industry across the globe with additional details such as market share, CAGR, GDP, total production, and annual revenue.

Regional analysis:

North America (United States, Canada, Mexico)
Europe (UK, France, Germany, Spain, Italy, Central and Eastern Europe, CIS)
Asia Pacific (China, Japan, South Korea, ASEAN, India, Rest of Asia Pacific)
Latin America (Brazil, Rest of LA)
Middle East and Africa (Turkey, GCC, Rest of Middle East)

Meanwhile, the online casino and gaming software industry atmosphere allows for a comprehensive and systematic study of vendor performance and organization, including financial results, regional and industry sales, and more.

Buy Online Casino and Gaming Software Market Report at @ https://www.orbisresearch.com/reports/index/global-online-casino-and-game-software-market-growth-status-and-outlook-2020-2025?utm_source=PL2

Contents
Chapter One: Presentation of the Report
1.1 Scope of the study
1.2 Key Market Segments
1.3 Players Covered: Ranking by Revenue of Online Casinos and Gaming Software
1.4 Market Analysis by Type
1.4.1 Global Online Casino and Gaming Software Market Size Growth Rate by Type: 2020 VS 2026
1.5 Market by Application
1.5.1 Global Online Casino and Gaming Software Market Share by Application: 2020 VS 2026
1.6 Objectives of the study
1.7 years considered

Chapter Two: Global Growth Trends by Regions
2.1 Online Casino and Gaming Software Market Outlook (2015-2026)
2.2 Online Casinos and Gaming Software Growth Trends by Regions
2.2.1 Online Casino and Gaming Software Market Size by Region: 2015 VS 2020 VS 2026
2.2.2 Online Casino and Gaming Software Historic Market Share by Regions (2015-2020)
2.2.3 Forecasted Market Size of Online Casino and Gaming Software by Regions (2021-2026)
2.3 Industry Trends and Growth Strategy
2.3.1 Key Market Trends
2.3.2 Market Drivers
2.3.3 Market challenges
2.3.4 Porter’s Five Forces Analysis
2.3.5 Online Casino and Gaming Software Market Growth Strategy
2.3.6 Key Interviews with Key Online Casino and Gaming Software Players (Opinion Leaders)

Chapter Three: Competition Landscape by Key Players
3.1 Global Top Online Casino and Gaming Software Players by Market Size
3.1.1 Global Top Online Casino Software and Gaming Players by Revenue (2015-2020)
3.1.2 Global Online Casino and Gaming Software Revenue Market Share by Players (2015-2020)
3.1.3 Global Online Casino and Gaming Software Market Share by Company Type (Tier 1, Tier 2 and Tier 3)
3.2 Global Online Casino and Gaming Software Market Concentration Ratio
3.2.1 Global Online Casino and Gaming Software Market Concentration Ratio (CRChapter Five: and HHI)
3.2.2 Global Chapter 10 and Top 5 Companies by Online Casino and Gaming Software Revenue in 2020
3.3 Online Casino and Gaming Software Key Players Head office and Area Served
3.4 Key Players Online Casino and Gambling Software Product Solution and Service
3.5 Date of Enter into Online Casino and Gaming Software Market
3.6 Mergers and acquisitions, expansion plans

Key investor questions answered in the report:
• What are the key trends that will influence the online casino and gaming software market in 2022?
• What are the potential business opportunities that market players should seize to stay ahead in the online casino and gaming software market?
• What are the alternative fortification strategies that market players are implementing during covid-19?
• What are the market drivers for online casinos and gaming software?
• What are the domestic and international online casino and gaming software market trends affecting products and services?
• Which market segments are growing rapidly?
• What are the leading companies by segment and their commercial strategies?
• What are the import duties and other taxes for particular products or services in the market?

Do you have a specific question or requirement? Ask our industry [email protected] https://www.orbisresearch.com/contacts/enquiry-before-buying/4555156?utm_source=PL2

The report covers all the latest market definitions, orders, applications, and engagement information for the Online Casinos and Gaming Software market, all of which are required for success in the market. This study also includes a high-level assessment of the business, along with detailed business trends that are impacting customer growth.

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PokerStars enters Greece with online poker, sports betting and casino brands

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PokerStars launches poker, sports games and casino in Greece under previously acquired local license, parent company Flutter Entertainment has announced Friday. the PokerStars, PokerStars Sports and PokerStars Casino The products are now available to gamers nationwide under full license from the Hellenic Gaming Commission (HGC).

Subsidiary Flutter first received a local license in July last year. Now, “a range of popular real and play money poker games and tournaments from PokerStars, casino titles, sports betting markets and promotions are now available” to players at PokerStars.GR, according to a statement from press, as well as on computer, tablet and mobile for iOS and Android.

“Launching PokerStars under a full local license in Greece follows months of hard work by teams across the company,” said Dan Taylor, CEO of Flutter International.. “I would like to thank them all for helping to make PokerStars’ range of safe and reliable products available to players in Greece and for contributing to our continued strategy of growing our business in international regulated markets.”

The move further strengthens Flutter’s presence in Europe, following the acquisition of Italian online gaming operator Sisal for 1.9 billion euros ($2.1 billion) announced in December.. The purchase should strengthen its Italian position by establishing a 20% market share in combination with Betfair and PokerStars.

And earlier this month, Flutter announced that its PokerStars affiliate would be teaming up with Formula 1 racing team Red Bull Racing for a new global partnership.. The exclusive deal will see the online gaming and entertainment brand join Red Bull Racing ahead of the 2022 Formula 1 season.

The multi-year partnership, which includes branding on the RB18 and racing suits, is aimed at F1’s growing audience, as growing technological advancements help serve and provide fans with “new and unique ways to enjoy the sport”, according to a press release.

The relationship should also allow Red Bull Racing and PokerStar to “reach audiences who share similar passions and interests” while rewarding and engaging existing fans and players in new and unique ways with entertainment fueled by F1.explains the race team.

Additionally, the deal aims to provide fans with “epic experiences, promotions, competitions and content.” Red Bull Racing says the partnership will “come to life” through the full offering of PokerStars Casino, PokerStars and PokerStars Sports.

Online Gambling Software Market Outlook 2022 to 2031

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New Jersey, United States,- Market Research Intellect has released a new publication on the online gaming software market, titled “2022 Online Gaming Software Market Analysis and Forecast”. The publication provides an in-depth assessment of the global automotive chassis dynamometer market based on competition. , market dynamics, market segmentation and other vital aspects.

The Market research report is a compilation of comprehensive intelligence studies that explore almost every aspect of the global Online Gaming Software market. Market players can use the report to learn more about the competitive landscape and level of competition in the Online Gaming Software Market. The report comes as a powerful tool that gamers can use to prepare for a lion’s share of the global online gaming software market. Additionally, it assesses each segment of the Online Gaming Software market in detail so that readers can be informed about future opportunities and high growth areas in the industry. Furthermore, it offers a comprehensive study of crucial market dynamics, including growth drivers, restraints, challenges, trends, and opportunities.

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The authors of the report provide an encyclopedic overview of the main regional markets and their evolution over the past few years. Readers are provided with accurate facts and figures related to the Online Gaming Software market and its important factors such as consumption, production, revenue growth, and CAGR. The report also shares gross margin, market share, attractiveness index, and value and volume growth of all segments studied by analysts. It highlights key developments, product portfolio, markets served and other areas that outline the business growth of the major companies profiled in the report.

The report has been prepared using the latest primary and secondary research methodologies and tools. Our analysts rely on government documents, white papers, press releases, reliable investor information, financial and quarterly reports and public and private interviews to collect data and information relating to the market in which they working.

Key Players Covered in Online Gaming Software Markets:

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

Online Gaming Software Market Breakdown by Type:

Online Gaming Software Market Split By Application:

  • On the site
  • cloud-based igt
  • playtech
  • Micro game
  • Betconstruct
  • Softgamings
  • Betsys
  • betradar
  • Sbtech
  • Digitain
  • Gamma stack
  • Each matrix
  • Sb betting software
  • Novomatic

The Online Gaming Software Market report has been segregated into distinct categories such as product type, application, end-user, and region. Each segment is valued based on CAGR, share, and growth potential. In the regional analysis, the report highlights the prospective region, which is expected to generate opportunities in the Global Online Gaming Software Market in the coming years. This segmental analysis will surely prove to be a useful tool for readers, stakeholders, and market players to get a complete picture of the global Online Gaming Software market and its growth potential in the coming years. .

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Scope of Online Gaming Software Market Report

Report attribute Details
Market size available for years 2021 – 2028
Base year considered 2021
Historical data 2015 – 2019
Forecast period 2021 – 2028
Quantitative units Revenue in USD Million and CAGR from 2021 to 2027
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 regional online gaming software market analysis can be represented as follows:

Each regional Online Gaming Software industry is carefully researched to understand its current and future growth scenarios. This helps players strengthen their position. Use market research to get a better perspective and understanding of the market and target audience and ensure you stay ahead of the competition.

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

Answers to key questions in the report:

  • What is the growth potential of the online gaming software markets?
  • Which product segment will take the lion’s share?
  • Which regional market will impose itself as a precursor in the years to come?
  • Which application segment will grow at a rapid pace?
  • What are the growth opportunities that may emerge in the Lock Washers industry in the coming years?
  • What are the major challenges that the global online gaming software markets may face in the future?
  • Who are the leading companies in the global online gaming software market?
  • What are the key trends that are positively impacting market growth?
  • What are the growth strategies considered by the players to sustain their hold in the global online gaming software market?

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The study thoroughly explores the profiles of major market players and their major financial aspects. This comprehensive business analyst report is useful for all existing and new entrants when designing their business strategies. This report covers the Online Gaming Software market production, revenue, market share and growth rate for each key company, and covers the breakdown data (production, consumption, revenue and market share) by regions. , type and applications. Online gambling software historical breakdown data from 2016 to 2020 and forecast to 2021-2029.

About Us: Market Research Intellect

Market Research Intellect provides syndicated and customized research reports to clients from various industries and organizations, in addition to the goal of providing customized and in-depth research studies. range of industries including energy, technology, manufacturing and construction, chemicals and materials, food and beverage. etc Our research studies help our clients to make decisions based on higher data, to admit deep forecasts, to grossly capitalize with opportunities and to optimize efficiency by activating as their belt in crime to adopt a mention precise and essential without compromise. clients, we have provided expert behavior assertion research facilities to more than 100 Global Fortune 500 companies such as Amazon, Dell, IBM, Shell, Exxon Mobil, General Electric, Siemens, Microsoft, Sony and Hitachi.

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Michigan Online Poker Is A Hit, But Bigger And Better Things Are On The Horizon

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Saturday, January 29 marks the first anniversary of the launch of regulated online poker in Michiganand what a year it was!

PokerStars was the first operator to launch online poker that day. It was a long overdue comeback as PokerStars had not offered online poker in the Great Lakes State since leaving on April 15, 2011. BetMGM Poker would join the Michigan market a few months later to offer Michigan residents two online poker sites to choose from.

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The long-awaited return of online poker to Michigan

April 15, 2011 is often called “Black Friday” by those in the poker industry. This is the day when the two biggest online poker sites of the time, PokerStars and Full Tilt, left the American market. Although I had only just started playing poker when this happened, I remember how bleak that day was in the online poker landscape, especially in the United States.

David Kaye Poker November 2021

While poker is back in Michigan, it looks different than it did in 2011. Currently, the two proposed sites in Michigan are Michigan Restricted Sites. This means that you must be physically located in the state of Michigan to play in these player pools.

While I was glad to have regulated online poker, I was concerned that a single-state player pool wouldn’t have enough players to maintain a solid player base to function. gambling and tournaments with great prize pool guarantees. I knew Michigan had a strong poker communitybut was it enough to sustain a whole pool of players?

Year 1 of online poker is a success in Michigan

The short answer was yes. Right from the start, PokerStars Michigan was running lots of cash games with lots of buy-in levels and tournament series with prize pools of up to $100,000!

The numbers may have dropped slightly at times, but Michigan market still growing strong one year later.

In any new market, gamers enthusiastically flock to play. Additionally, at the time of launch, we were in state-issued lockdowns due to the ongoing Covid-19 pandemic. This included the closure of casinos and poker rooms across the state.

The launch of these online poker sites gave Michigan residents a place where they could play poker.

Bigger and better things on the horizon for Michigan online poker?

Although Michigan’s first year of online poker was great, many actors and industry professionals have higher hopes for the months and years to come.

It has been rumored for months that Michigan, Pennsylvaniaand New Jersey will combine player pools, as well as all future states that approve online poker with these operators.

In my opinion, this is crucial for the success of online poker in the United States in the years to come. Player pools in each of these states have been successful, but to reach the full potential of regulated online poker in the United States, we have to play together.

A single player pool with more participants creates more games and more options for players.

(READ MORE: David Kaye Archives)

Tournament players love and hunt the tournament series with the big guarantees. With all states in a pool, more players can participate in any tournament, creating larger prize pools. This is also useful from a marketing point of view for site operators. A tournament with a $1 million prize pool creates more excitement for potential players than a $100,000 prize pool.

For gambling, the more players a group has, the more options there will be created for players. It means more poker variations, more tables to play and higher stakes. All of these are essential to the longevity of a gambling market.

I strongly believe in the potential of the regulated online poker market in the United States. So much so that I quit my corporate job to continue playing poker and creating poker-based content at the end of 2021.

To reach this full potential, I think it’s vital that the states where online poker is regulated be combined into one player group.. Myself, and poker players across the country, hope that will be something to come in 2022.

How successful has David Kaye been in 2021?

So, now that you’ve read my first year online poker review at the Michigan Regulated Online Poker Market, you might be wondering “I wonder how David did at the tables in 2021?”

Thought you might ask, so here are my poker results playing at Michigan State regulated sites from launch date January 29, 2021 through the date I write this article, on January 27, 2022.

Below are my gambling results. As you can see from the photos, I won $36,199 primarily playing in $2.50/$5 and $1/$2 no-limit hold-em cash games. I’ve also included a graph of my results so you can see some of the ups and downs I’ve had throughout the year.

David Kaye Online Poker Results

David Kaye annual earnings chart

Although I consider myself primarily a cash game player, I was also able to have success playing tournaments last year! I took advantage of $32,622 at Michigan online poker sites over the past year, including my highest score of $9,419 for third place in a $215 buy-in event on BetMGM.

David Kaye Poker Tournament Winnings

Both sites have programs that reimburse players through bonuses and rakeback. I have received about $6,000 through these programs over the past year.

If you add up cash games, tournaments and promotions, it brings my profit at around $74,000 in the last year play on PokerStars and BetMGM. I’m particularly happy with that number given that I was still working full-time until September 2021, playing live poker, and spending many hours editing content for my Youtube and Tic canals.

I hope you’ve all had as much fun playing online poker as I have over the past year, and I can’t wait to do it again in 2022!

Mason’s poker content creator David Kaye writes a regular column for PlayMichigan. You can follow David’s poker journey on his social media accounts under the handle “DavidKayePoker”. David is on YouTube, Twitch, Twitter and Instagram.

Is it worth considering a credit card balance transfer?

A credit card balance transfer is a type of debt consolidation that can help you pay off your growing credit card debt faster. This involves transferring your debt from one or more credit cards to a new card with a temporary low interest rate to reduce the number and size of your monthly repayments.

To attract customers, some lenders may even not charge interest during the introductory or promotional period, allowing you to repay your loan without any interest payments. However, your introductory low rate will return to the original rate after the promotional period ends. To avoid having to pay interest on your transferred balance, it may be best to pay off the debt before the end of the low rate period.

A credit card balance transfer can be a good way to settle your debt if you choose a low interest rate agreement with a reasonably long term to repay the full amount owed. It can also have a positive impact on your credit score, unless you struggle to make your monthly repayments or keep spending, only to find yourself in a worse financial situation than before.

Is it bad to transfer credit card balances?

While it’s not bad to transfer your credit card balances to pay off your debt, it’s possible to make mistakes if you don’t understand how balance transfers work. For example, the low rate period on a balance transfer credit card is only for a limited time. However, a lower interest rate might tempt you to spend more, which might not leave room for additional repayments to pay off your debt.

If you’re not careful, you can accidentally sign up for a credit card that charges more interest than your old credit card after the introductory period ends. In this situation, you may end up paying more interest on your debt than before the balance transfer.

Does a credit card money transfer affect my credit rating?

Yes, a credit card money transfer can improve or hurt your credit score, depending on how you use it. For example, the money you save on interest with a balance transfer can help reduce your outstanding debt faster, which can improve your credit score over time. Paying your credit card bill on time each month will also boost your credit score. On the other hand, if you miss your repayments or have trouble paying your bills on time, this will be recorded in your credit file and lower your credit score.

It is also possible that if you are unable to repay all of your debt during the low interest rate period, you may consider another balance transfer once your interest rate returns to normal. . Multiple credit card balance transfers over a short period of time could indirectly hurt your credit score because they might look bad on your credit report.

Another factor that could hurt your credit score after a balance transfer is how you manage your old cards. If you don’t close your old credit cards after transferring your outstanding debt to a new card, it can have a negative effect on your credit score unless you regularly pay off all open accounts.

Canceling your old credit cards can prevent you from racking up additional debt. However, keeping existing accounts can sometimes improve your credit rating by keeping the average account age high. Therefore, you should weigh the pros and cons carefully before deciding to close an existing credit card, as the payment history associated with the card will also be removed from your file.

Finally, while shopping around for the best deal possible on a balance transfer card is recommended, making multiple credit card balance transfer requests can negatively impact your credit score. Each time you apply for new credit, the creditor pulls your credit report to determine your creditworthiness as a borrower, resulting in a thorough investigation.

These serious inquiries appear on your credit report and can have a negative effect on your credit rating. Therefore, it is advisable to do your research before applying for a balance transfer card and also do the math to ensure that you can repay the transferred debt within the specified time frame.

40% of millennials say credit card debt is their biggest financial setback, survey finds

Millennials are more financially confident and optimistic than any other generation, but are held back by high-interest credit card debt, a new survey has found. (iStock)

Credit cards have many benefits, such as the ability for consumers to earn rewards on their purchases and boost their credit scores. But revolving credit card debt that’s carried over from month to month can be a costly burden due to high interest rates.

Two in five millennials (40%) say credit card debt is their biggest financial setback, according to a new Affirm survey, a finance company buy now, pay later. Millennials also worry about money an average of 7 times a day, more than any other generation surveyed.

However, the survey also revealed that millennials feel more financially confident than any other age group, and are the most optimistic about what their finances will look like ten years from now. Apart from that, 61% of US consumers also believe that living through the pandemic has made younger generations more financially savvy.

Keep reading to learn more about getting yourself out of credit card debt and visit Credible to explore your debt consolidation options.

GETTING OUT OF DEBT IS A TOP NEW YEAR’S RESOLUTION, STUDY SAYS

3 Strategies for Paying Off Credit Card Debt

It’s easy to rack up high-interest credit card debt without realizing it, especially if you rely on credit cards to cover unexpected expenses like car repairs and surprise medical bills. Recent data from the Federal Reserve shows that Americans are increasingly reliant on credit cards as revolving credit balances hit pre-pandemic levels in November 2021.

If you’re struggling to repay your debt, consider the following repayment strategies:

  1. Credit card balance transfer
  2. Debt consolidation loans
  3. Non-profit credit counseling

Learn more about each method in the sections below.

1. Credit Card Balance Transfer

A popular way to get out of credit card debt is to open a balance transfer credit card. This allows you to transfer the balance of one or more credit cards to a new card which you pay off on better terms, such as a lower interest rate.

Consolidating with a balance transfer card can help borrowers save money while paying off credit card debt. But keep in mind that some credit card issuers may charge a balance transfer fee worth 3-5% of the transferred amount. Also, there may be a limit to the amount you can transfer.

This method can be particularly advantageous for solvent candidates who can qualify for 0% APR on balance transfers. These zero rate offers usually last up to 18 months from account opening – and when the promotional period expires, interest is charged on the remaining balance.

Interest-free balance transfer offers give borrowers the option to pay off their credit card balance without paying interest. However, these offers are restricted to applicants with very good to excellent credit, which is defined as the FICO model like 740 and up.

You can compare balance transfer credit card offers on Credible for free without affecting your credit score and determine if this debt repayment method is right for your financial situation.

BUY NOW, PAY LATER LOANS WILL BE FORMALLY INCLUDED IN EQUIFAX CREDIT REPORTS

2. Debt consolidation loans

Another popular debt repayment strategy is to use a personal loan for debt consolidation. Unsecured personal loans allow borrowers to pay off higher interest debt, including credit cards, at a low fixed rate. Since personal loan interest rates are at historic lows, according to the Fed, it may be possible to save more money than ever before using this method of debt consolidation.

Average two-year personal loan rate, Federal Reserve

By consolidating credit card debt into a personal loan, borrowers have the opportunity to save hundreds or even thousands of dollars over the course of paying off their debt. A recent analysis by Credible found that well-qualified borrowers can save nearly $2,400 on average by paying off credit card debt with a personal loan.

A debt consolidation loan can also help you lower your monthly payments. The same analysis found that borrowers can save an average of $66 on their monthly payments by paying off credit card debt with a personal loan.

Personal loan interest rates are based on the borrower’s credit profile, so applicants with high credit scores will qualify for the lowest rates. On the other hand, borrowers with bad credit may not qualify for a debt consolidation loan.

You can visit Credible to compare personal loan interest rates and terms from multiple lenders at once to help you find the lowest possible rate for your financial situation. Then you can use a personal loan calculator to estimate your monthly payment and potential interest savings.

GEN Z CONSUMERS ARE RESOLVED TO SAVE MONEY AND SPEND LESS IN 2022

3. Non-profit credit counseling

The debt repayment strategies above can be good options for borrowers with good credit. However, consumers with fair or poor credit may not qualify for balance transfer credit cards or debt consolidation loans. It may be possible for subprime borrowers to pay off their credit card debt through nonprofit credit counseling.

Credit counseling agencies offer free or low-cost services to consumers struggling with insurmountable debt. A credit counselor can help you create a budget or enroll you in a debt management plan (DMP), which may have monthly fees.

As a bonus, credit counselors may be able to negotiate with creditors on your behalf to lower your interest rates and waive late fees. You can search for accredited non-profit credit counseling agencies at the Department of Justice website.

If you’re still unsure which debt repayment strategy is best for you, contact a knowledgeable Credible loan officer who can walk you through your options. Additionally, you can browse the current personal loan interest rates in the table below.

HOW DOES THE DEBT SNOWBALL METHOD WORK? START WITH THE SMALLEST SALES

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.

Is online bingo better than real bingo?

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Online bingo games have become hugely popular over the past decade with the rise of online gambling websites and apps, meaning it’s more accessible and easy to play than ever. In this article, we’ll evaluate both online and physical bingo and explain the pros and cons of each before giving you our verdict.

The benefits of online bingo

There are several advantages to playing bingo online, the first being that it’s usually much cheaper than playing at a physical bingo hall. You can find free bingo games online that don’t require you to spend any money, and even if you choose to play for real money, the buy-ins tend to be much lower than those at the halls. traditional bingo games.

Another big advantage of playing online is that there are many more games available than on physical sites, which means you’re much more likely to find a game that suits your schedule and budget. You can also switch more easily between different games if you get bored or start losing. Additionally, many online bingo sites offer bonuses and loyalty programs that give players the opportunity to earn rewards such as cash back and free tickets just for playing.

Finally, one of the biggest advantages of playing online rather than in person is that you can do so from the comfort of your own home. This means you can avoid travel costs, save on on-site drinks and snacks, and simply relax in your own surroundings while you play.

The disadvantages of playing bingo online

While there are plenty of advantages to playing bingo online, there are also some disadvantages to consider. The first is that it’s often harder to socialize when playing remotely. There are usually discussions and other activities around the table in a physical room, which help players interact; this is not always possible when playing online.

Another potential downside is that some people may have a harder time getting into the zone when playing online. With no physical connection between other players and staff, it can be easy for people to get distracted and lose more money than they wanted because they couldn’t. play mind games with their opponents.

Additionally, some people may find it harder to concentrate when not around other players, leading to missed calls or incorrect card markings. Additionally, internet connectivity issues or issues with software can lead to frustration and cause disruptions during gaming.

The Benefits of Physically Playing Bingo

The main advantage of playing bingo in a physical location is that it is a much more social experience than playing online. Chatting with other players at the table and sharing laughs and jokes is one of the main draws of playing bingo in person, and that just isn’t possible when playing remotely.

Physical bingo halls also generally have better atmospheres than online ones. With music and chatter around you, it can be more exciting to play in person and it can be easier to get into the rhythm of the game. Finally, some people simply prefer the experience of playing bingo in a hall. bricks and mortar rather than on their computer or phone.

Also, many people find it more fun to play in a group rather than alone, so if you’re looking for social interaction, traditional bingo may be the best option for you.

The Disadvantages of Playing Bingo Physically

While there are clear advantages to physically playing bingo, several disadvantages are also worth considering. The first is that it can be a bit pricey, with buy-ins often costing more than online games. Additionally, traditional sites often have less variety of games available than those online, which means you may not be able to find a game that suits your schedule or budget.

Another downside is that physical locations can be quite noisy, making it difficult to properly hear the caller or hold conversations with other players; it can also lead to disruption during games when players try to speak above the noise level. Finally, traveling to and from a physical location can often take a long time, especially if you live far from local venues.

Our opinion

Overall, we believe playing bingo online has a number of advantages over playing at a physical location. The lower costs, greater variety of games available, and the convenience of playing from home make online bingo a more attractive option for many players.

The social interaction and excitement of group play can appeal to many players, and traditional sites often have a better atmosphere than online ones. That said, physical bingo halls can be quite noisy and expensive, so it’s important to weigh the pros and cons before deciding if this is the right option for you. Ultimately, it’s up to each player whether online or physical bingo is best for them.

Online Bingo Games Market Outlook by 2029

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New Jersey, United States,- This Online bingo games market The report covers the business forecast for the years 2022-2029, along with the corporate strategy and industry size. It goes into the assessment of the competitive environment, which covers key demographics, classification and performance of customers. By providing an overview of markets and market-related statistics, this market research also helps participating companies maximize their presence in the industry. The market is further segmented on the basis of application, product category, end user, and location. All these crucial data will help the key players to outperform the competition and generate huge revenue for the business. It also offers beginners particular investment options to help them make lucrative trading decisions.

Businesses can gain in-depth understanding of their customers with the help of notable data offered in the Online Bingo Games market report, and thus achieve their aim of selling items in large quantities while earning big profits. Setting a clear business goal from the start will help you avoid problems and get your business up and running quickly. The Online Bingo Games market report is generally drafted in easy to understand language to ensure that the interaction is productive. The reviewer’s interest is captured by the market report’s use of engaging language. As a result, it leaves a lasting impact on the customers in the market.

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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

The online bingo games market is segmented on the basis of product type, application and geography. All segments of the Online Bingo Games Market are carefully analyzed with respect to market share, CAGR, value and volume growth, and other significant factors. The report also provides precise estimates on CAGR, revenue, production, sales, and other calculations for the Online Bingo Games market. Each regional market is studied in detail in the report to explain why some regions are growing at a high rate while others at a slow rate. We have also provided Porter’s Five Forces and PESTLE analysis for further study of the online bingo games market.

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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 application will capture 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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Online Poker Revenue Grows Across the Board in All Regulated States

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we online poker revenue showed month-over-month growth in every legal state. Overall, online gaming has continued its upward trend since the start of the pandemic.

Online poker sites, such as partypoker american network, PokerStarsand WSOP.com continue to see good growth. Current legalized and operational online poker states include:

  • New Jersey
  • Pennsylvania
  • Michigan
  • Nevada
  • Delaware

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New Jersey Online Poker Soars

Garden State online poker operators hit the $2 million mark to end the year. According to New Jersey Gaming Enforcement Division (NJDGE), operators brought $2.3 million, up slightly from November’s $2.2 million. There are currently three real money poker sites in New Jersey, including:

WSOP.com slightly retained the lead as the top operator for the second month in a row. The operator ended the year with a turnover of $848,882.

WSOP.com continues with strong promotions in 2022 and recently announced the return of the monthly WSOP Tour series of rings. WSOP.com remains the only operator offering shared cash with Nevada and 888poker in Delaware.

Partypoker and PokerStars recorded monthly increases in December. The party remained in second place and reported $803,388 In income.

PokerStars posted the biggest monthly win. The site reported $685,575a 11% increase from November $607,415.

Of the New Jersey live poker scene, only three live poker rooms are open in Atlantic City, including:

  • Borgata (offers weekly tournaments)
  • Harrah
  • Tropicana

Borgata recently announced its first multi-day tournament since before the pandemic. On President’s Day weekend, the casino will host a $200,000 guaranteed event.

NJ’s online gambling continues to climb

December hit huge numbers in the Garden State. Total online games accounted for $133.2 milliona 33.9% increase from $99.5 million a year ago.

Online casino brand / BetMGM Borgata becomes a powerhouse in New Jersey, remaining number one for 10 consecutive months.

BetMGM caught $37 million turnover to end the year. Golden Nugget online casino remained on their trail in second with $36 million and Resorts in third with $22.9 million.

Total statewide gambling taxes were $42.3 million. Gaming taxes represent 8% of gross taxable casino revenue and 15% of gross Internet gaming revenue.

Pennsylvania Online Poker Hits $3 Million Mark

Online poker revenue in the Keystone State increased in December 2021. Monthly reports showed $3.1 million in Pennsylvania from $2.8 million in November.

The Commonwealth currently owns three online poker sites in Pennsylvania:

PokerStars had a big month bragging about a little more $2 million for the month. In December, the site successfully ran a “25 Days of Tournaments” promotion.

WSOP.com stayed pretty much the same and introduced $639,833, down slightly from the November total. BetMGM/Borgata Poker came third with $378,398, a gain from November. Both skins are part of partypoker US Network and host monthly online series.

Internet gaming continues to smash records in the state. Online casino gambling on the internet is up year over year 42.6% in Pennsylvania. The state recorded gross revenues of $102.1 million in December.

As reported by Pennsylvania Gaming Control Boardtotal gaming revenue for December was $406.3 million. The state has recorded an annual growth of 141%. According to the PGCB, taxes in December from iGaming alone totaled $42.4 million.

Pennsylvania Live Poker Rooms

In live poker news, Philadelphia Rivers canceled his highly anticipated Bounty Mystery Series in January due to personnel issues. The property recently announced that the tournament will take place in February.

Here is an overview of the 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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Michigan Produces Big Results

Wolverine State set an online game record in December according to the Michigan Gaming Control Commission (MGCB). The state set another record by reporting $121.7 million revenue from Internet games, up 13.9% compared to November.

Michigan combines poker and online gaming in the state revenue report. There are two online poker sites in Michigan, including:

  • PokerStars
  • BetMGM (part of the American partypoker network)

MGM continues to push promotions on the poker side with monthly series. PokerStars has also been active with tournament series in Michigan in recent months.

BetMGM and FanDuel increased in December. BetMGM set a company record in the state by posting $45.9 million gross revenue from online games. FanDuel also posted one of the company’s best months yet with $17.3 million.

Michigan residents also saw strong bottoms for their state. Abandoned Online Gambling Operators $23.3 million of tax revenue to the State, including:

  • Taxes and Payments on Internet Gambling – $22.6 million
  • Taxes and Payments on Internet Sports Betting – $738,067

Six Michigan brick-and-mortar live poker rooms have reopened, including:

  • MGM Grand Detroit
  • Motor City Casino Hotel
  • Greektown Casino-Hotel
  • Odawa Petoskey Casino
  • Firekeepers Casino Hotel
  • Island resort and casino

Michigan casinos are relaunching tournaments as people begin to return to casinos.

Poker has the best month of the year in Delaware

Delaware had its best month of the year in December. The First State saw an increase in online poker for the third consecutive month and reported $43,069. This is an increase of nearly 30% since November.

According to Delaware LotteryiGaming surpassed the $1 million mark in the state, entering at $1.1 million in the results of online casinos. It was the best month of the year for the state. Delaware also reported 824 new player registrations in December.

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

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

For the first time this year, all three online sites posted monthly growth. Delaware Park has become Delaware’s best online poker site for all of 2021.

Delaware Park introduces $28,042 and also remains the only live poker room open in the state. Dover Downs also officially becomes Bally’s Dover. The name change became official at the end of the year.

Analysis of the online casino software market, by 2031

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The Market research report is a compilation of comprehensive intelligence studies that explore almost every aspect of the global Online Casino Software market. Market players can use the report to learn more about the competitive landscape and level of competition in the Online Casino Software Market. The report comes as a powerful tool that players can use to prepare to carve out a lion’s share of the global online casino software market. Additionally, it assesses each segment of the Online Casino Software market in detail so that readers can be informed about future opportunities and high growth areas in the industry. Additionally, it offers a comprehensive study of crucial market dynamics, including growth drivers, restraints, challenges, trends, and opportunities.

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The authors of the report provide an encyclopedic overview of the main regional markets and their evolution over the past few years. Readers are provided with accurate facts and figures related to the Online Casino Software market and its important factors such as consumption, production, revenue growth, and CAGR. The report also shares gross margin, market share, attractiveness index, and value and volume growth of all segments studied by analysts. It highlights key developments, product portfolio, markets served and other areas that outline the business growth of the major companies profiled in the report.

The report has been prepared using the latest primary and secondary research methodologies and tools. Our analysts rely on government documents, white papers, press releases, reliable investor information, financial and quarterly reports and public and private interviews to collect data and information relating to the market in which they working.

Key Players Covered in Online Casino Software Markets:

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

Online Casino Software Market Breakdown by Type:

Online Casino Software Market Split By Application:

  • On the site
  • cloud-based igt
  • playtech
  • Micro game
  • Betconstruct
  • Softgamings
  • Betsys
  • betradar
  • Sbtech
  • Digitain
  • Gamma Stack
  • Each matrix
  • Sb betting software
  • Novomatic

The Online Casino Software Market report has been segregated into distinct categories such as product type, application, end-user, and region. Each segment is valued based on CAGR, share, and growth potential. In the regional analysis, the report highlights the prospective region, which is expected to generate opportunities in the Global Online Casino Software Market in the coming years. This segmental analysis is sure to prove to be a useful tool for readers, stakeholders, and market players to get a complete picture of the global Online Casino Software market and its growth potential in the coming years. .

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Scope of the Online Casino Software Market Report

Report attribute Details
Market size available for years 2021 – 2028
Reference year considered 2021
Historical data 2015 – 2019
Forecast period 2021 – 2028
Quantitative units Revenue in USD Million and CAGR from 2021 to 2027
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:

Each regional Online Casino Software industry is carefully researched to understand their current and future growth scenarios. This helps players strengthen their position. Use market research to get a better perspective and understanding of the market and target audience and ensure you stay ahead of the competition.

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

Answers to key questions in the report:

  • What is the growth potential of the online casino software markets?
  • Which product segment will take the lion’s share?
  • Which regional market will impose itself as a precursor in the years to come?
  • Which application segment will grow at a rapid pace?
  • What are the growth opportunities that may emerge in the Lock Washers industry in the coming years?
  • What are the major challenges that the global online casino software markets may face in the future?
  • Who are the leading companies in the global online casino software market?
  • What are the key trends that are positively impacting market growth?
  • What are the growth strategies considered by the players to maintain their hold in the global online casino software market?

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The study thoroughly explores the profiles of major market players and their major financial aspects. This comprehensive business analyst report is useful for all existing and new entrants when designing their business strategies. This report covers the Online Casino Software market production, revenue, market share and growth rate for each key company, and covers the breakdown data (production, consumption, revenue and market share) by regions. , type and applications. Online casino software historical breakdown data from 2016 to 2020 and forecast to 2021-2029.

About Us: Market Research Intellect

Market Research Intellect provides syndicated and customized research reports to clients from various industries and organizations, in addition to the goal of providing customized and in-depth research studies. range of industries including energy, technology, manufacturing and construction, chemicals and materials, food and beverage. etc Our research studies help our clients to make decisions based on higher data, to admit deep forecasts, to grossly capitalize with opportunities and to optimize efficiency by activating as their belt in crime to adopt a mention precise and essential without compromise. clients, we have provided expert behavior assertion research facilities to more than 100 Global Fortune 500 companies such as Amazon, Dell, IBM, Shell, Exxon Mobil, General Electric, Siemens, Microsoft, Sony and Hitachi.

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The CFPB reports that the average household pays $1,000 in interest and credit card fees per year

Americans paid $120 billion in credit card interest and fees every year between 2018 and 2020, according to the CFPB. (iStock)

Credit cards are one of the biggest sources of consumer debt, along with mortgages, student loans and car loans. But unlike other common forms of debt, credit cards usually come with high interest rates and high annual fees.

Between 2018 and 2020, Americans paid $120 billion in interest and credit card fees each year, according to Consumer Financial Protection Bureau (CFPB). That’s about $1,000 per household, which is a high price to pay for the convenience of credit card spending.

Worryingly, credit card debt is on the rise – revolving credit balances have fallen as consumers have paid off credit card balances during the COVID-19 pandemic. But the stock of credit debt has reached pre-pandemic levels as Americans become increasingly dependent on credit cards.

Keep reading to learn how to save money on credit card interest and fees, including low interest credit cards and personal loans. You can compare interest rates on a variety of debt consolidation products on Credible for free without affecting your credit score.

DIRECT DEPOSIT LOANS AND 11 CASH ADVANCE ALTERNATIVES

How to Reduce Credit Card Interest and Fees

Credit card interest can strain your household budget and make it harder to pay other bills, like housing and groceries. According to CFPB estimates, the average household pays more than $80 a month in interest and credit card fees, or about $1,000 a year.

Fortunately, there are several ways to reduce the amount of credit card interest charges and annual fees you pay. Learn more about each strategy in the sections below.

WHAT THE ANNUAL PERCENTAGE RATE, OR APR, MEAN ON YOUR CREDIT CARDS

Pay off your credit card balance in full each month

Maintaining a balance over multiple credit card billing cycles is a quick way to accrue interest. If you make the minimum payment on your credit card, interest will accrue even faster. But it’s possible to avoid paying interest entirely if you pay off your credit card statement in full by the payment due date.

Getting out of revolving credit card debt is easier said than done. However, there are a few strategies that can help you pay off your credit card debt each month:

  • Track your income and expenses with a Monthly Budget. Then, only charge your credit card for the amount you know you can repay in a given month.
  • Put the winnings on your credit card debt. If you get a bonus through work or even a high tax refund, be sure to put that money aside for debt repayment.
  • Build an emergency fund. This can help you avoid incurring credit card debt to pay for unexpected expenses like car repairs or surprise medical bills.

You can start building your emergency fund by setting up direct deposit of your paycheck directly into a high-yield savings account that grows over time with interest. Visit Credible to compare high yield savings account rates at multiple banks at once.

FREE CREDIT REPORTS HAVE BEEN EXTENDED

Switch to a credit card with a lower interest rate and no annual fee

The average credit card interest rate was 16.44% in the fourth quarter of 2021, according to the Federal Reserve. Credit card interest rates depend on on several factors, and they may vary from one credit card issuer to another. Some financial institutions offer low-interest credit cards that offer more competitive rates than some types of rewards credit cards.

Besides interest charges, many credit card issuers charge hefty annual fees between $95 and $495. Some annual fees may be attractive to consumers who use credit card rewards heavily to redeem travel credits, but the savings don’t always outweigh the annual fee.

However, there are many credit cards that do not come with an annual fee. If you’re paying annual credit card fees for an account you don’t use, consider switching to a card with no annual fee. You can browse all types of credit cards on Credible’s online financial marketplace for free.

APRIL VARIABLE VS. INTEREST RATES: WHAT’S THE DIFFERENCE?

Consolidate credit card debt with a personal loan

Personal loans are lump sum fixed rate loans that are commonly used to consolidate high interest credit card debt. Debt consolidation loans offer lower interest rates than credit cards, and they are repaid in predictable monthly installments over a set period of time.

Paying off credit card debt with a personal loan can help you save hundreds or thousands of dollars over time. A recent analysis by Credible found that borrowers with good credit can potentially save up to $2,400 in interest charges by paying off credit card debt with a personal loan.

Personal loan rates are currently at record highs, according to Fed data, which means you may be able to save more money than ever while paying off your debt. Visit Credible to see personal loan rates right for you and use a personal loan calculator to estimate your monthly payment and potential interest savings.

WHAT IS THE FED FUNDS PRIME RATE?

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.

NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech, – The Oxford Spokesperson

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MRI Accuracy Reports published a new report on Global Online bingo games Industry. This report is in high demand as TOP as well as emerging players leverage this report. This is the most accurate and qualitative research study collected by a team carrying out primary and secondary research. This report is based on briefings and interviews conducted with product manufacturers and their consumers, along with demand research. The mixture of checks and balances combined with the involvement of industry players provides a clear and accurate picture of the entire global online bingo games market.

Some players mentioned below for your reference-

NetEnt, GVC, 888, Ladbrokes Coral Group, Fortuna Entertainment, Playtech, William Hill, Kindred, Amaya, Paddy Power Betfair

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Online bingo games market

Poker, Casino, Sports betting, Other.

Application as below

Entertainment, Commercial, Other.

Furthermore, the research data contained in the report after working closely with investment bankers and financial analyst presents a clear idea of ​​the investment scenario in the global Online Bingo Games market. The report assesses the market outlook for public companies, assesses the business cases of several private companies, and discusses investment trends in the global online bingo games market. The analyst suggested that there would be a turning point in this market, so one needs to grab attention immediately in order to hold the market.

The Global Online Bingo Games Market report covers current and future consumer preference trends that will shape the industry. The report assesses the buying trends along with the buying process, technology preference, expenditure, and end-user manufacturer and service provider preferences in the global Online Bingo Games Market.

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The report digs deeper by providing consumer preferences by region and their impact on market revenue and growth. The report also presents the current regulatory scenario of individual regional sectors in the global Online Bingo Games market. Furthermore, the current regulatory scenario as well as the upcoming regulations that will come into force in the coming years have also been mentioned in this report.

Regional assessment and diversification of segments.

North America (United States, Canada, Mexico)
Europe (UK, France, Germany, Spain, Italy, Central and Eastern Europe, CIS)
Asia Pacific (China, Japan, South Korea, ASEAN, India, Rest of Asia Pacific)
Latin America (Brazil, Rest of LA)
Middle East and Africa (Turkey, GCC, Rest of Middle East)

Several key players operating in the global Online Bingo Games Market have been profiled in this report. The business overview of key players, product offering, revenue share, business strategies and latest innovations have been included in this report. The in-depth competitive framework of the Global Online Bingo Games Market will help clients to formulate best strategies to achieve their desired business outcome. Therefore, contact us to get the sample basic report.

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Championship Online Poker Series begins January 23

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The online poker platforms BetOnline and Sportsbetting.ag are shared. This alliance is beneficial in cash games and in large series of poker tournaments. This means that more participants will be able to participate in the same games, which will result in a larger guaranteed prize pool.

COPS stands for Championship Online Poker Series. On January 23, the first COPS of 2022 will kick off with 15 days of 130 tournaments and a guaranteed prize pool of $2 million.

COPS offers a wide range of opportunities

While the Championship Online Poker Series is dominated by No Limit Hold’em, a wide range of games are available. Deep stack tournaments, turbos, knockout (PKO) formats, rebuys, marathons and combinations thereof are all available. Six-max, seven-max and eight-max tables are available for players.

The buy-ins are the most varied, ranging from $11 to $320. However, the vast majority cost between $33 and $109. This series has good possibilities for players with different types of funds. Of course, this implies that satellites cater to a wide range of players, with some as low as $1. (There are also daily freerolls during the series that will award satellite tickets, plus exclusive challenges and missions for chances to win.)

There are also a few events that are only available on mobile devices. Mobile users will be able to participate in special events that will not be available to PC players.

Notable tournaments

The Main Event will be the most important competition of this COPS. This will provide the highest warranty in the series and the greatest value.

Event 120: $109 buy-in NLHE COPS Main Event (8-max) ($300,000 GTD) on Feb. 6 at 1 p.m.

Other tournaments with great guarantees are also available

-Event 1: $109 NLHE (8-max) ($175,000 GTD) on January 23 at 1 p.m.

-Event 60: $109 NLHE (8-max) ($200,000 GTD) on Jan. 30 at 1 p.m.

-Event 125: $320 NLHE High Roller (7-max) ($50,000 GTD) on February 6 at 5 p.m.

-Event 126: $215 NLHE PKO (7-max) ($50,000 GTD) on Feb. 6 at 7 p.m.

The following events will take place for mobile devices only

-Event 16: $11 NLHE Turbo Deep (7-max) ($1,000 GTD) on January 24 at 9 p.m.

-Event 20: $11 NLHE Boost (6-max) ($1,000 GTD) on January 25 at 3 p.m.

-Event 31: $11 NLHE Deep (7-max) ($1,000 GTD) on January 26 at 5 p.m.

-Event 42: $11 NLHE Turbo Deep (6-max) ($1,000 GTD) on Jan. 27 at 9 p.m.

-Event 71: $11 NLHE Boost (6-max) ($1,000 GTD) on Jan. 31 at 4 p.m.

-February 1 at 3 p.m. Event 79 will occur: $11 NLHE (7-max) Rebuy/Add-On ($1,000 GTD)

-Event 87: $11 NLHE PKO (7-max) ($1,000 GTD) on Feb. 2 at 3 p.m.

-Event 95: $11 NLHE Boost (6-max) ($1,500 GTD) on Feb. 3 at 3 p.m.

-Event 109: $11 NLHE Turbo PKO (8-max) ($1,000 GTD) on Feb. 4 at 9 p.m.

-Event 113: $11 NLHE (7-max) ($2,500 GTD) on Feb. 5 at 5 p.m.

(All times are Eastern Standard Time. Visit the BetOnline COPS website for the full schedule.)

Consolidated Credit Helps Consumers Solve High Credit Card Debt Over the Holidays

“If your credit card debt has gotten out of hand, the key to paying off that credit card debt as quickly as possible in this economy may be consolidating your debt, which can lower your monthly payments as well as your interest rates,” says Gary Hermann, chairman of Consolidated Credit. “Higher prices may leave little room in consumer budgets to pay off credit card debt, so people need to find a solution to lower their payments.”

The good news is that there is a fallback option designed for this purpose, known as debt consolidation. It consolidates credit card balances into one affordable payment. Under the right circumstances, it helps someone pay off their debts faster, even if they’re paying less each month.

Debt consolidation works by combining multiple debts and minimizing interest. You reduce high interest rates, so payments can be used to pay off principal debt.

“Consolidated Credit’s certified credit counselors specialize in helping people find the best way to consolidate,” Herman says, “because there can be more than one way to go. You can use a balance transfer, a debt consolidation loan, or sign up for a debt management program through a nonprofit credit counseling service. They all consolidate debts and all work in different situations.

  • A balance transfer works best for a limited amount of debt spread across multiple credit cards. You need good credit to qualify for the longest 0% APR possible.
  • A debt consolidation loan works for consumers with good credit and have more debt than can be paid off during a 0% APR promotional period.
  • A debt management program works for people who are too indebted to qualify for a loan or balance transfer.

Consolidated Credit’s certified credit counselors can provide free debt and budget analysis to help consumers find the best way to consolidate. Dial 1-800-728-3632 to get started.

About: In 29 years, Consolidated Credit has helped more than 10.2 million people overcome their debt and financial difficulties. Their mission is to support families United States end financial crises and solve money management problems through education and counselling.

Consolidated credit SOURCE

Credit balances rise as Americans become more dependent on credit card debt

According to the Federal Reserve, credit card balances have reached pre-pandemic levels, meaning many consumers may be looking for ways to consolidate multiple debts. (iStock)

The past year has brought several financial challenges to consumers amid record high inflation rates as the omicron variant of the coronavirus impacts the US economy. As a result, Americans are becoming increasingly dependent on high interest credit cards.

Revolving credit balances reached $1.04 trillion in November 2021, according to Federal Reserve Data, which is the highest since the start of the COVID-19 pandemic in March 2020. While many consumers paid off their high-interest debt at the start of the pandemic, this trend began to reverse in 2021.

Revolving credit balances, April 2020 - present

Keep reading to learn more about increasing credit card usage, including how you can pay off your credit card debt with credit counseling, debt consolidation loans, and credit cards. balance transfer credit. You can compare the offers of a number of debt management products for free without affecting your credit score on Credible.

HOW LONG DO NEGATIVE ITEMS STAY ON YOUR CREDIT REPORT?

How to get out of credit card debt

Making the minimum payment on credit cards can save you from missing your payment due date, but it’s an expensive method of paying off debt. That’s because credit card interest rates are high at 16.44%, according to the Fed. Additionally, unpaid credit card balances earn interest daily, which can add up significantly over time.

If you’re having trouble paying off credit card debt, consider some debt repayment methods in the sections below.

WHAT IS A PERSONAL LINE OF CREDIT?

Meet with a credit counselor

Non-profit credit counseling agencies provide free, low-cost financial services to consumers who need help managing their debts, including credit card balances. A credit counselor can help you set a monthly budget or enroll you in a debt management plan (DMP).

Credit counselors may also be able to negotiate with your creditors to reduce the amount of your debt or the interest rate you pay. You can find a list of approved credit counseling agencies near you at the Department of Justice website.

REFINANCING YOUR STUDENT LOANS CAN SAVE YOU $250+ PER MONTH

Use a debt consolidation loan

A debt consolidation loan is a type of unsecured personal loan used to pay off higher interest rate debt on a predictable payment schedule. Personal loan interest rates hit record highs in the fourth quarter of 2021, the Fed reports, averaging 9.09% over the two-year loan term.

Average two-year personal loan rate, Federal Reserve

Since personal loans offer low fixed rates, they can be used to help consumers save money while paying off high-interest credit card debt. A recent analysis by Credible found that well-qualified borrowers have the potential to save nearly $2,400 by consolidating credit card debt with a personal loan. It may also be possible to lower your monthly payment.

Use a personal loan calculator to estimate your monthly payments, so you can determine if this method of paying down debt is right for your financial situation. You can compare debt consolidation loan interest rates from multiple lenders at once on Credible.

PERSONAL LOAN OR CAPITAL LOAN: WHICH IS BETTER?

Open a balance transfer card

It may be possible to pay off your debt at a lower rate with a credit card balance transfer. It is a type of credit card that allows you to transfer the balance of one or more cards to a new credit account with a lower interest rate.

Some credit card issuers may charge a balance transfer fee of 3-5% of the total loan amount. But that can be offset if you are able to qualify for a credit card with a 0% APR introductory offer. These promotions are generally reserved for borrowers with very good to excellent credit, which is defined by the FICO model like 740 or higher.

Zero-rate credit card offers can last up to 18 months, giving consumers time to pay off current credit card debt without paying interest. At the end of the introductory offer, the remaining balance will be charged interest.

See if you qualify for a balance transfer offer on Credible, so you can start paying off your credit card debt at a lower interest rate.

THE AMERICAN EXPRESS MAGAZINE PLATINUM CARD®

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.

How to get out of credit card debt

Stephen Swintek/Getty Images

You may be feeling a bit overwhelmed by your credit card debt, especially if you’ve chosen to tackle it head-on. Credit card debt can seem like a daunting challenge, especially because everyone’s situation is unique. But by familiarizing yourself with debt repayment strategies and breaking down your step-by-step approach, it becomes acceptable. Here are some best practices for limiting your spending and developing a practical and achievable plan for paying off your credit card balances.

Find out how you got into credit card debt

One of the most important steps to mastering credit card debt is understanding what got you into debt in the first place. Otherwise, you may find yourself in the same boat soon after paying off your current card balance.

Brittney Castro, Certified Financial Planner for the mint finance app, believes that bad habits often stem from a lack of financial literacy. “Students are often offered a credit card on campus or apply for multiple credit cards online, thinking they’re more or less free money,” she says. “What they are not told is that if the balance is not paid off in full each month, they will be charged the APR (interest rate) of the credit card on their balance (l money spent with the card), which can sometimes be as high as 29.99%. This can quickly escalate into ballooning debt.”

To avoid this situation, it is important to know how credit cards work. Credit is useful in many situations, but the convenience could cost you dearly. The longer you hold a balance, the more interest you’ll pay. “Proper and smart credit card habits are making payments on time and paying off the full balance each month,” she says. “In other words, only charge it if you can afford it.”

Build a budget

There are many reasons why you might be overwhelmed with credit cards. You may not know how much you are actually spending. Or you had an emergency but no emergency savings fund to tap into and paid with your card instead. Whatever the reason, knowing how much money is coming in and going out is key to taking control of your finances. It is crucial to create a budget to limit expenses and pay off your debt.

Plain and simple, credit card debt is the result of spending more than you can afford. A good budget can take some time to set up, but will ultimately serve as a visual tracker of your financial situation. To establish a budget, create an income category by adding up all the money that comes in each month. Next, categorize and add up all of your expenses. Budgeting apps do most of the heavy lifting. Some of the most popular are:

Once you have established a budget, ask yourself the following questions:

  • Are my expenses more than my income? If you spend more than you earn, you have two options: reduce your expenses or take overtime at work (or a side job) to increase your income.
  • Do I put money aside for an emergency fund? Developing a rainy day fund could help you avoid having to turn to credit cards in an emergency.
  • Can I reduce my expenses? Take a look at your spending to find ways to cut back, like eating less at restaurants or canceling some subscriptions. Send the money you save to pay off your credit cards faster.
  • How much do I owe? Determine the current balances on each of your credit cards to determine how much you owe and how long it will take to pay them off.
  • How much interest am I paying? Determine how many of your card payments are allocated to interest and note the cards with the highest interest rates.

Choose a debt repayment strategy

Once you’ve established a budget and have an idea of ​​how much credit card debt you need to pay off, it’s time to start reducing it. There are several ways to approach debt repayment. Some of the most popular methods for getting out of credit card debt are:

The avalanche method

If you have more than one credit card to pay off, the avalanche method saves you the most money, since you pay off your most expensive debt first. Start by allocating the most money to the credit card with the highest interest rate and make sure you pay at least the minimum on all other cards. Once you have paid off the balance on the credit card at the highest interest rate, concentrate the funds on the card at the next interest rate and so on.

The snowball method

The opposite of the avalanche method is the snowball method. It uses momentum to maintain your debt repayment plan. Pay off the lowest balance first and build on your success until you pay off the card with the highest balance. Hide your cards as you pay them to avoid the temptation to overspend.

Pay more than the minimum

A general way to get out of credit card debt is to pay more than the minimum for your card each month. Otherwise, it could take years to get rid of a balance. For example, paying the monthly minimum of a $5,000 balance at 17% APR can take ten years and cost a total of $10,000.

Additionally, having high balances could significantly affect your credit score since the use of credit weighs heavily. Carma Peters, CEO of Michigan Legacy Credit Union, says, “The biggest negative impact on your credit score is keeping a balance above 50% of your limit.” The sooner you pay off your balance, the sooner you can rebuild your credit.

Balance transfer card

Some credit cards offer enticing sign-up bonuses, such as a low introductory rate for balance transfers. If you have good credit, you may qualify for a card that offers balance transfers to 0% interest for 12 months or more. Taking advantage of a balance transfer can save you time to pay off a high balance for free. Just make sure that you are able to pay the full balance before the end of the term, otherwise you could incur interest for the remaining amount, or worse, the entire balance transferred.

debt consolidation loan

If you’re juggling multiple credit cards, it may be best to get one. Personal loan for the total you owe on all credit cards. You are basically consolidate all your debts into a single loan to save significantly on interest.

The average credit card interest rate hovers around 16%. In comparison, the APR of a debt consolidation loan is around 6%. It’s a big saving. However, your credit score could affect your interest rate – and your chances of getting a loan approval.

Debt Counseling Program

Debt counselors can work with you to create a repayment plan and give you advice on how to manage your finances. Keep in mind that most debt counselors are fee-based. Depending on your financial situation, it may be better to pay off your debt yourself and apply the fees you would pay a counselor for your credit card debt.

Assistance programs for people in difficulty

If you’re struggling with bills and experiencing financial difficulties, contact the card issuer. Creditors usually have hardship assistance programs that may waive some fees, lower your interest rate or defer your payments for a few months.

Consider debt settlement or bankruptcy

Debt settlement and bankruptcy are two additional ways to get out of credit card debt. The problem is, they will likely affect your credit score. Brian Dechesare, former banker and founder of Breaking into Wall Street, warns that these methods should be used as a last resort. “You should only consider both in extreme situations when you’ve exhausted all other options and can’t make ends meet to pay,” he says.

Debt settlement

Contacting the creditor to negotiate a lower balance can help you get out of credit card debt if you have a larger balance. According to Dechesare, “Most lenders will only consider debt settlement if the debt is over $10,000, so for smaller debts it may be best to consolidate or pay it off.”

You might get up to half forgiveness, but it has lasting consequences. Dechesare says, “debt settlement could lower your credit score by 100 points and stay on your file for seven years.”

Bankruptcy

In the event of extreme financial difficulties, bankruptcy can help you wipe the slate clean. The moment you file your claim, you will get instant relief from creditors. If the court grants you a bankruptcy discharge, you will no longer be obligated to pay your debts. However, there are downsides worth noting. You will need to attend credit counseling before filing. This can be expensive when you factor in filing fees and a bankruptcy attorney. If your debt is discharged, the bankruptcy will be a public record and will remain on your credit report for seven years, sending your credit score into a tailspin.

Review your finances regularly and set goals

Once you’re debt-free or on your way out of debt, it’s important to establish healthy financial habits to keep you from slipping. Sticking to your budget will be vital. You may want to do an annual review of your spending and make budget adjustments. Plus, prepare for unexpected expenses by putting money in an emergency savings account. Finally, set goals and stick to them. Saving a down payment for a house or creating a retirement fund is a great way to keep an eye on the price and control your spending.

Editorial content on this page is based solely on objective, independent assessments by our editors and is not influenced by advertising or partnerships. It was not supplied or commissioned by a third party. However, we may receive compensation when you click on links to products or services offered by our partners.

7 On Your Side Tips for Getting Rid of Credit Card Debt

Many vacation shoppers are just waking up to spending hangovers, and figures just released by the Federal Reserve indicate credit card debt is rising to pre-pandemic levels.

So what is the best way to level this mountain of debt?

Studies show that a large majority of well-paid people get into debt by simply spending too much on plastic, and FOMO mixed with YOLO can be a dangerous combination.

This lifestyle has run up huge bills for Ryan Masajo, but he’s managed to clear $85,000 in debt in just 3½ years.

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First, buzzing his own hair saved him $720 last year, while ironing his own shirts cut his expenses by $30 a month.

“I know it’s okay, but I don’t like ironing,” he said.

What the self-proclaimed jet-setter, the diva of Michelin-starred restaurants, loved was the good life.

“$85,000 in debt took time, travel, food, student loans, shopping, and YOLO,” he said. “Why would I save money? I work hard now. It wasn’t the best choice. When I travel, there is no budget, but I always said ‘yes’ so as not to be remains.”

He said things quickly got out of control.

“I got to a point where I had nine credit cards,” he said. “Six of them have been maxed out, up to 25% interest rate.”

Like many people carrying large balances, he was inundated with offers for loans and debt settlement. He chose SoFi randomly.

“SoFi is a one-stop-shop for personal finance through a digital platform,” said Senior Director of Financial Planning Brian Walsh.

He said that Masajo is the typical SoFi member.

“A huge segment of our population ignored by the financial industry, high achievers in education and careers who don’t have a lot of money,” he said. “They have been largely ignored.”

Free financial planners helped Masajo create — and stick to — a daily budget, while consolidating his credit card payments into one personal loan with a lower interest rate.

“Four or five from a range of 9% to 25%, so that was a big money saver in terms of interest as well,” he said. “And my credit rating has skyrocketed because when you have a personal loan, it’s better for your credit if you have one instead of six credit cards that run out.”

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But SoFi says loans aren’t for everyone. You must commit to stop spending on your credit cards and change your financial habits.

“Really make sure you can stop the behavior that got you into debt before you even think about getting out of debt,” Walsh said.

Masajo and his partner created a video blog to share the $85,000 journey to zero debt in less than four years.

The big point to remember is that with credit consolidation offers, watch out for the sharks. If an offer sounds too good to be true, it probably is.

Other red flags include promises of guaranteed approval, skipping the traditional loan process, and no offer-related review.

Finally, always research the reputation and read the fine print before signing up.

———-
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Enter a contest to win a Fiat 500 and play online bingo games

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You might have a shiny new gem waiting outside your house in the form of a new Fiat 500, complete with new competition.

It’s worth a whopping £10,500, and for a chance to win it, just deposit £20 into your Daily Record Bingo account and use the code DECREE.

You’ll need to put on your skates (or should we say engine) though, as you only have until January 31, 2022 to participate.

If you’re not looking for a new car right now, fear not because this competition is still for you. Instead of the car, you can choose to have the £10,500 in cash instead.



Scottish newspaper National is proud to bring you Daily Record Bingo, with the best online bingo and slots games, great cash prizes, brilliant promotions and massive jackpots. With this contest you can win a Fiat 500. All you have to do is add £20 to your Daily Record Bingo account.

The Fiat 500 is exactly the type of car you’d be proud to sport as you show up to parents’ night or to see the in-laws.

It was featured by the Monthly Automotive Magazine and website Which car as “one of the best-selling city cars, not least because of its typically Italian and casually styled city look”.

A hot Italian is all many of us want in our lives, and so this car ticks all the boxes!

To own this fancy number, simply add the £20 to your Daily Record Bingo account here, using the code DECREE.

Not only will adding this to your account give you a chance to win the car, but you can also play bingo and slots at Daily Record Bingo.

Your £20 will become a credit on your account and allow you to play a host of groovy games.

Here are some of the fun slot games you can play:

  • Clans of cats

  • 9 pots of gold

  • solar temple

  • Great Bass Bonanza

  • cold heat

  • Baboon in the moon

  • Rainbow riches

  • star burst

  • fluffy favorites

  • pirate gold

As you can see, there are good times to be had. You can sweat while playing “Chili Heat”, find the treasure in “Pirate Gold”, and discover the mysterious pot of gold in “Rainbow Riches”.

A session of games like these will undoubtedly brighten up any evening. We think they’re best played with a bowl of popcorn handy. Every time you win, scoff a bite and play Queen’s “We are the Champions” on speakerphone. It’s the best and only way to celebrate.



An image of the Daily Record games you can play
There are all kinds of fun games to play

All of this means that by putting £20 into your Daily Record Bingo account here, you are giving yourself the chance to become a multiple winner.

You could win the car, as well as some games. Also, if you don’t win the car, you can still win some games, so all is not lost.

So don’t miss it. Eat popcorn, play fun games and get the chance to have the ride of your life. Keep your hands on the wheel, your eyes on the prize and deposit £20 for a chance to win.

£20 deposit required, terms and conditions apply, visit dailyrecordbingo/fiat for more information.

18+, please gamble responsibly, begambleaware.org.

How to Pay Off Credit Card Debt: Financial Plan

CNN Underscored reviews financial products such as credit cards and bank accounts based on their overall value. We may receive a commission if you apply and are approved for a card, but our reports are always independent and objective.

If you’re struggling to pay off your credit card debt, you’re definitely not alone. A recent report from Lending Tree showed that Americans collectively owed $804 billion on their credit cards at last count, and the average outstanding balance per borrower was $6,569.

Unfortunately, the average credit card interest rate or annual percentage rate (APR) was 14.54% in the third quarter of 2021. This means that the average consumer with credit card debt has a significant percentage of his interest expense payment. It also means that, for consumers paying this rate or even higher, paying off credit card debt is more difficult (and expensive) than it should be.

Fortunately, there are plenty of strategies you can use to manage your debt and pay off your credit cards once and for all. So if you’re struggling with debt that you can’t pay off, consider one of the following proven debt repayment strategies.

The Debt Snowball Method helps consumers pay off their debts by helping them achieve psychological gains early on. With this strategy, participants list all the debts they have, from smallest to largest, and then focus on the smallest debts at the start.

To use the debt snowball, you would make the minimum payments on all of your largest debts, then funnel the extra money you have into your smallest debt each month. Over time, the smaller debt is paid off, at which point you snowball the extra money you pay for the next smaller debt.

With the debt snowball method, smaller debts melt away over time, leaving only larger ones. Eventually, users only pay off their largest debt until they are fully debt free.

Example: Let’s say you have four credit cards with balances of $7,000, $4,000, $3,300, and $2,500. With the debt snowball, you would focus your largest payment on the $2,500 balance first, followed by the $3,300 balance, then the $4,000 balance before focusing on paying off the balance. $7,000 last.

All debt reduction strategies have pros and cons — there is no perfect solution. So here are the pros and cons of the debt snowball.

Advantages:

  • Score psychological victories by paying off your small debts early on
  • Helps you reduce the number of bills you pay early in the process

The inconvenients:

  • May result in higher total interest charges over time

Unlike the debt snowball, the debt avalanche method helps consumers pay off their debts in the most mathematically advantageous way possible. With this strategy, participants list all the debts they have according to their interest rate, then focus first on the debts with the highest interest rates.

To use Debt Avalanche, you make the minimum payments on all of your lowest interest rate debt, then funnel all the extra money you have into your debt with the highest APR. Over time, the debts with the highest interest rates are paid off, at which point you “swim” the money you were paying for the debt with the next highest APR.

As you go, you will pay off your debts with the highest interest rates, then those with lower interest rates, then some debt, then none. This strategy helps you save the most on interest since you tackle the debts with the highest APR first.

Example: Let’s say you have four credit cards with APRs of 22.99%, 19.99%, 12.99% and 11.99%. With Debt Avalanche, you would focus your biggest payout on Debt with the 22.99% rate first, followed by 19.99% Debt, then 12.99% Debt and then Debt. with the APR of 11.99% last, regardless of the size of that debt. .

Advantages:

  • Save money on interest by tackling debts with the highest interest rates first

The inconvenients:

  • You might end up paying off bigger debts first, which can be daunting
  • May take longer to reduce the number of payments you make each month
black woman with debt consolidation plans

iStock

Consumers can also use a debt consolidation loan or a personal loan to get out of debt. With this strategy, you borrow enough money to pay off all your credit cards, then start making one monthly payment for your personal loan instead.

Personal loans can be a good choice for debt consolidation since they come with fixed interest rates, fixed monthly payments and a fixed repayment schedule. This means you know exactly how much you owe at any given time and exactly when you will be debt free.

Example: Let’s say you owe $10,000 on four credit cards with relatively high APRs. If you took out a seven-year personal loan for this amount, you would use the loan funds to pay off all of your credit cards, and then use all of your monthly payments to pay off the single personal loan. If you qualify for a loan with an interest rate of 6%, you will pay $146 per month for seven years (84 months) until you are debt free. In the meantime, you would pay a total of $2,271 in interest charges.

Advantages:

  • Simplify your finances with one monthly payment
  • Consolidate your debt at a lower APR than what you are currently paying
  • Know exactly when you will be debt free
  • Many personal loans have no annual fees and no hidden fees

The inconvenients:

  • You need good credit to get a personal loan with the best rates and terms

Another debt repayment strategy is to apply for a balance transfer credit card. Cards in this slot allow you to consolidate and pay off your debts at 0% APR for a limited time, typically up to 21 months. A balance transfer fee is required, but people who can pay off their debt during their card’s introductory period have the opportunity to save big on interest and progress to paying off their debt faster.

Example: Let’s say you owe $10,000 on four credit cards with relatively high APRs and you request a balance transfer card that offers 0% APR on balance transfers for 21 months in exchange for a 5% balance. After consolidating your debts, you owed $10,500 including fees, but if you could pay $500 a month over 21 months, you could pay off that debt with $0 in interest charges.

Advantages:

  • You can pay no interest on your debt for a long time
  • Most balance transfer cards don’t charge an annual fee

The inconvenients:

  • You generally need good credit to qualify
  • You only get 0% APR for a limited time, after which the standard variable APR applies
woman with calculator and laptop budgeting getting out of debt

If you want to get out of debt, you have to be willing and able to change your lifestyle, at least for a while. Here are some simple tips that can help you stay on track:

Make sure the debt repayment strategy you use matches your personality and lifestyle. For example, don’t apply for a balance transfer credit card if you know you’ll be tempted to use it for purchases.

If you continue to use credit cards, you may never pay off your debt. While you’re in debt repayment mode, it’s helpful to avoid credit cards and stick to cash or debit instead.

Take a closer look at your lifestyle for signs of wasting money. Try shopping for groceries, cooking more meals at home, and avoiding places and situations that might tempt you to overspend.

Write down your income in one column and all your regular bills and expenses in another, then compare them. A written budget can help you stay focused and on track with your goals, including your current debt repayment strategy.

Racking up debt is often a breeze, but paying it off can be downright painful. Fortunately, these debt relief methods can help you save money, pay off your debts faster, or both.

We hope one of the strategies in our guide can help you come up with a plan that works, even if it takes a while. And if you’re worried about breaching your credit or defaulting on your obligations, you can contact a credit counseling agency for help.

Get all the latest personal finance deals, news and advice from CNN Underscored Money.

How to find an edge in online poker in 2022

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The online poker ecosystem has evolved dramatically over the past decade, and the days of bookmaker-based poker room softfields are over.

Now even low stakes amateur players are starting to learn advanced poker strategy.

In large part, this is due to the rise of streaming on platforms like Twitch, where pro gamers often stream entire 12-hour sessions while discussing the thought process behind every decision and hand.

There has also been a sharp increase in poker education from players like BBZ Poker, which sees a variety of casual and professional players spending money in order to increase their edge.

To establish this advantage in an increasingly competitive environment, players must first decide what type of game is best for them.

In the early days of online poker, the choice of formats was limited – you had MTTs, sit-and-gos, and cash games.

Now sites like partypoker, PokerStars and GG Poker have launched a slew of new formats like Spin and Go, All-in or Fold, Short Deck, and Zoom / Rush and Go.

Users will often find that the field of players in these new types of formats is much smaller because recreational players do not want to invest an entire day in an MTT.

When a player finds a type of game that he likes, the next key is to preserve his bankroll at all costs. Strict bankroll management, combined with a good knowledge of Average ROI and Expected Value (EV), will allow a poker player to be successful over the long term.

Although poker is considered a game of skill, much of it still depends on chance and probability. The key is to put chips in the pot when you are favorite over your opponent. This means that over a long period of time, or a high volume of hands, you will be profitable.

If players keep the risk low with strict bankroll management, it doesn’t matter if they get a bubble in a tournament with a pair of aces against a 2/7 offsuit because, over time, this advantage will end in a tournament. series of positive results.

The final key, which has been fundamental to being a successful poker player for decades, is the ability to control emotions and tilt. It’s very easy to blow an entire stack after a brutal river card, but sticking to a comfortable strategy is important.

One way to do this is to use software to track hand history at all online poker sites. Reviewing this weekly will give users a sense of where they went wrong and potentially where they went right, in order to refine a strategy to increase expected value.

For more iGaming news, click here.

How to Eliminate Credit Card Debt

If you’re trying to figure out how to pay off your credit card debt, you’ve come to the right place. I’m sure you already know it’s a daunting task. But all you need to be successful is a solid plan of action.

You will also need perseverance and self-discipline to get rid of your credit card debt. But once you see your balances start to dwindle, you’ll have a surge of excitement that will help keep you motivated.

How to pay off credit card debt

Before you can choose a strategy, you need to gather information about your credit card debt. Make a list of your credit cards, including interest rates and current balances. Also, have a good idea of ​​your credit score. Many of the major issuers offer a free credit score to their cardholders. There are even transmitters, including American Express and To discover, which offer free sheet music to everyone, whether you are a cardholder or not.

Depending on the specifics of your debt situation, one of the following five debt elimination strategies should help you pay off credit card debt:

Balance transfer credit card.

Debt consolidation loan.

— Avalanche of debt.

— Debt snowball.

— Debt Blizzard.

[Read: Best Balance Transfer Credit Cards.]

Balance transfer credit card

If you still have very good credit, you may qualify for a balance transfer card. These cards offer a 0% Annual percentage introductory rate for a period of time, for example 12 to 18 months. This gives you a chance to pay off your debt without paying interest.

But if you don’t have a high enough FICO score to qualify, you can consider a debt consolidation loan.

debt consolidation loan

If you have multiple credit card balances or different types of debt, you can combine them into one installment loan. With a debt consolidation loan, unfortunately you won’t get a 0% interest rate, but you will probably get a lower rate than your credit card APRs.

This is considered a personal loan, and if you have good enough credit, you may be approved. Shop around, though, and get the best rate you can afford.

Another personal loan option is to use your home equity a line of credit to pay off credit card debt. It is likely that the interest rate will be lower than what you pay on your credit cards.

Avalanche of debt

If you decide to settle your debt yourself, one option is called debt avalanche. You pay off your credit card balances from the highest APR to the lowest APR. The best feature of this method is that you save the most money because you get rid of the high APR debt first.

Debt Snowball

What if you need a quick psychological hit to stay motivated? Then try the debt snowball method. Here you pay off your balances from the smallest debt to the largest debt. You will pay more interest this way, so this is a significant weakness of this approach.

But I want you to choose which approach you will stick with. If the snowball method works for you, then go for it! And just so you know, it’s possible to combine the avalanche and snowball methods and turn this into a blizzard.

[ READ: Best 0% APR Credit Cards. ]

Debt Blizzard

If you want the best of both worlds, check out my own creation, the debt blizzard. Start with the snowball method and quickly get an adrenaline rush. Then switch to avalanche to save more money.

If you think you can pay off the debt using one of the options listed above, choose your strategy and go for it. But what if your debt is insurmountable? If you feel like you’re drowning in debt and you can’t hope to have enough money to get rid of it, consider asking for help. Speak with a credit counselor from an agency accredited by the National Credit Counseling Foundation will help you clarify what you need to do next.

What is credit counseling?

If things are so bad that you think you can never overcome your mountain of debt, consider asking for help. You don’t have to go through this crisis alone.

You can find an accredited credit counseling agency through the NFCC. You will get a free phone session, in most cases, to help you choose the best debt reduction option. You’ll learn what your best options are, and it will help guide you.

[READ: Best Credit Cards for Bad Credit.]

Just in case you are worried that credit counseling will lower your credit score, you can stop worrying. Simply asking for help will not affect your credit score. Now, if you finally decide to enter a debt management plan or declare bankruptcy, your score will decrease.

But the most important thing right now is to stop the madness. You will get back on your feet and over time your credit score will recover.

Wells Fargo Reflect Credit Card vs. Citi Simplicity

We want to help you make more informed decisions. Certain links on this page – clearly marked – may direct you to a partner website and allow us to earn a referral commission. For more information see How we make money.

Credit card interest is expensive. But some cards are designed to help you save on interest with a 0% introductory interest rate, whether you need to pay off existing debt or have a major purchase to make and want some flexibility. with the repayment period.

Of these types of cards, the Wells Fargo Reflect Card and the Citi Simplicity Card are two of the best options available today. Both have long introductory periods for balance transfers and also extend their introductory rates to new purchases.

The main differences between these two cards are the times you will get 0% APR for balance transfers and purchases, and the fees you will pay to consolidate your debt. These might seem like little details, but they can make a big difference in your costs over time.

Here’s what you need to know to determine which of these 0% APR cards is right for you:

Side by side comparison

Wells Fargo Reflection Map Citi Simplicity Card
Annual subscription $ 0 $ 0
APR intro for balance transfers 0% APR for 18 months, with the possibility of a three-month extension when you make at least your minimum monthly payment on time during the launch and extension periods (followed by a variable APR from 12.99% to 24.99% 0% APR for 21 months (followed by a variable APR from 14.74% to 24.74%)
APR intro for purchases 0% APR for 18 months, with the possibility of an additional three months when you make at least your minimum monthly payment on time during the introductory and extension periods (followed by a variable APR from 12.99% to 24.99%) 0% APR for 12 months (followed by a variable APR from 14.74% to 24.74%)
Balance transfer fee Balance transfer fee of 3% (minimum $ 5) on balances transferred in the first 120 days, then 5% (minimum $ 5) 5% balance transfer fee (minimum $ 5)
* Balance transfers must be made within four months of opening the account
Other benefits Cell phone protection
Road expedition
Citi Identity Theft Solutions

0% introductory APR for purchases

If you’re looking for a card to pay for new purchases over time, the Wells Fargo Reflect Card comes with a superior introductory offer. You can avoid interest on purchases for at least 18 months and then get an additional 3 months without interest as long as you make at least the minimum payment on your card during the introductory and extended periods.

This means that you can receive a 0% APR on new purchases for a full 21 months if you avoid late payments. Making payments on time and in full each month is a good habit to practice anyway, as it can help you maintain good credit and avoid additional charges.

In contrast, the Citi Simplicity Card only offers a 0% APR on purchases for 12 months. This is a decent introductory period length, but if your primary goal is to pay off a new purchase over time, you’ll get a lot more flexibility with the Wells Fargo Reflect Card.

Introductory offers for balance transfers

These two cards are relatively equal when it comes to balance transfer offers, at least until you read the fine print.

The Wells Fargo Reflect card offers cardholders a 0% APR on balance transfers for 18 months with the option of an additional three months, if you make monthly payments on time during the introductory and extended periods. The Citi Simplicity Card has 0% APR on Balance Transfers for 21 months as a standard offer.

That being said, the Wells Fargo Reflect card charges a 3% balance transfer fee for balances transferred within the first 120 days, while the Citi Simplicity charges a 5% balance transfer fee. This is a minor increase, but can add up quickly. If you used either card to consolidate $ 10,000 in credit card debt, that’s a difference of $ 300 or $ 500 in balance transfer fees.

Comparison of rewards and benefits

None of these credit cards offer any rewards or many perks, but this is quite common among balance transfer and 0% APR credit cards. Their biggest advantage is the ability to pay off balances over time without interest.

However, the Wells Fargo Reflect card stands out slightly in this category, as it includes roadside assistance and up to $ 600 in cell phone insurance, subject to a $ 25 deductible.

Fees and costs

None of these cards charge an annual fee, and they have the same 3% offshore transaction fee and the same 5% cash advance fee (minimum $ 10).

The Citi Simplicity card does not charge any late fees, which is a minor benefit to consider, but there are returned payment fees up to $ 40. The Wells Fargo Reflect Card charges a fee of up to $ 40 for a late payment or a returned payment (and you can forgo the extension period of your 0% APR offer for late payment).

Finally, both cards charge similar variable APRs after the introductory period ends. You’ll pay a variable APR of 12.99% to 24.99% for any balance you carry on Wells Fargo Reflect, while Citi Simplicity charges 14.74% to 24.74%.

Wells Fargo Reflect Carte Map

Wells Fargo Reflect Carte Map

Editor’s Note: (N / A)
  • Introductory bonus:

    N / A

  • Annual subscription :

    $ 0

  • Regular APR:

    Variable APR from 12.99% to 24.99%

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon On our partner’s secure site
Citi Simplicity® Card

Citi Simplicity® Card

Editor’s Note: (4.0 / 5)
  • Introductory bonus:

    N / A

  • Annual subscription :

    $ 0

  • Regular APR:

    14.74% – 24.74% (Variable)

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon On our partner’s secure site
American bank Visa® Platinum card

American bank Visa® Platinum card

Editor’s Note: (4.1 / 5)
  • Introductory bonus:

    N / A

  • Annual subscription :

    $ 0

  • Regular APR:

    14.49% – 24.49% (Variable)

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon On our partner’s secure site

Deciding between the Wells Fargo Reflect Card and the Citi Simplicity Card

Editorial independence

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

Whether you are considering these 0% APR rate credit cards for debt consolidation or an upcoming major purchase, the Wells Fargo Reflect Card is definitely the winner. You’ll get 0% APR on purchases for a significantly longer 18-month period (with the option of a three-month extension) compared to Citi Simplicity’s 12-month offer. Plus, the 3% balance transfer fee can help you reduce debt consolidation costs compared to Citi Simplicity’s 5% fee.

Pro tip

If you plan to consolidate debt with the Wells Fargo Reflect Card, do so within 120 days of opening the account. This will help you get a balance transfer fee of 3% (minimum $ 5) instead of 5%.

The other benefits of the Reflect card are minor, but its cell phone protection could also help you save money and stay covered in the event of damage or theft.

If you’re looking to save money on interest with a 0% APR rate credit card, be sure to compare all the offers that best fit your timeline and goals. Comparing different options can also help you determine which cards you’re most likely to qualify for before you apply.

Most importantly, make sure you have a plan to pay off your balance in full (or as much as possible) before your introductory period ends. Both of these cards, along with other 0% APR cards, have very high continuous APRs that can quickly lead to high interest debt.

40% of credit card debtors don’t know the interest rate, according to Bankrate

Many Americans ignore an important aspect of their credit cards.

Of those with a balance, 40% don’t know the interest rate they’re being charged on their primary card, according to a new survey from The bank rate find.

It could end up costing them a lot of money.

“As much as we’ve heard of record high rates on other products, credit card rates are already high and likely to rise,” said Ted Rossman, senior industry analyst at Bankrate and CreditCards.com.

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The average credit card rate is 16.3%, according to Bankrate. With the Federal Reserve planning to raise interest rates this year, credit card rates will be closer to an average of 17% by the end of the year, Rossman predicts.

Still, those with balances tend to have even higher rates, possibly due to lower credit scores, he said. Accounts assessed at interest had an average Interest rate of 17.13% in the third quarter of 2021, according to the Fed.

At the higher rate, if you’ve made minimum payments on your average credit card balance of $5,525, depending on Experian — it would take you 16 years to repay the debt. You owe over $6,500 in interest, calculated by Bankrate.

What to do

To repay your debt as quickly as possible, several options are available to you.

The best solution is to transfer it to a zero-rate credit card, which can defer interest for up to 21 months, suggests Rossman.

“They were very hard to get in 2020,” he said. “Lenders were very worried about the risk.”

“Now there’s a lot of competition again,” Rossman added. “You can use this to your advantage.”

Also consider increasing your income to pay off debt, such as taking on a side hustle or trying to negotiate a raise at work.

If you can’t get a zero interest rate card, consider a personal loan as a form of debt consolidation, suggests Rossman. Although there is no zero rate, if you have good credit it may possibly be 5% to 7%. The term can be up to five years.

For those who need help, consider nonprofit credit counseling, which can help develop debt management plans. You don’t necessarily need good credit to qualify, Rossman said.

One thing you shouldn’t do is focus on credit cards that offer rewards.

While they’re great if you pay your bill in full each month, your first priority should be paying off the debt, Rossman said.

“Don’t chase cash back if you’re paying 15% to 20% interest,” he said. “Keep the reward running until you are free from debt.

REGISTER: Money 101 is an 8-week financial freedom learning course, delivered weekly to your inbox. For the Spanish version, Dinero 101, click here.

TO VERIFY: 4 lucrative activities for introverts: some projects can bring in hundreds of dollars with Tassels + CNBC

Disclosure: NBCUniversal and Comcast Ventures are investors in tassels.

Ireland’s Online Poker Regulation and Responsible Gambling

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Ireland has a rich history in gambling, with the country legalizing and regulating gambling in the 1800s.

The betting law of 1854 helped the industry to flourish, although the recent amendment to the Gaming and Lottery Act in 2019 meant that all forms of gambling are legal, including online poker.

Nonetheless, those who wish to know all about the online poker Ireland has to offer, are strongly recommended to take a look at the rules and regulations which have been created in a bit more detail, just to make sure they stay. on the right side of the law within the Emerald Isle.

Can a player play online poker in Ireland?

For those who wish to play a game of poker using an online casino platform, there is nothing to worry about as they will be protected by a number of laws due to the fact that the activity is completely legal in. Ireland.

The simple reason that allows poker (and other betting games) to take place legally is due to the Law on Games and Lotteries, as it neither prohibits nor distinguishes the difference between games of chance and games of chance. skill games.

Since the most recent amendment in 2020, there are no specific rules or regulations related to poker, so this means that all forms of poker will be subject to the general gambling laws in the country. Generally, anyone over the age of 18 can legally play the popular casino game.

Does Ireland have a responsible gambling policy?

Countries and casino operators are increasingly encouraged in recent times to ensure that they have a responsible gambling policy in place to protect the people who play the games, while also ensuring that they can. still enjoy their passion as a fun activity before it becomes a problem.

Indeed, “responsible gaming” is the term used throughout the iGaming industry and offers a number of tips, help and advice which can be provided to bettors who may feel the need for support. and additional assistance.

Among the many tips provided, operators will provide tips such as making sure bettors only play what they can afford to lose, making sure they set limits and stick to them, as well as ‘ensure that they avoid chasing after the losses that occur.

In addition, they provide tips such as recommending that gamers never let gambling interfere with personal relationships, not use gambling as a means of escape, take frequent breaks from activity, and not consider gambling as a way to earn money. Another tip is not to gamble when alcohol has been consumed.

What is the gaming industry doing to try to help?

The gaming industry has worked hard to try and tackle any potential issues that may arise in the future by introducing and providing a number of safeguards, including the following:

  • Staff trained, professional and aware of potential problems
  • Ensure that resources and tools are visible, easily accessible and relevant
  • Tools that can help create boundaries and provide plates of self-help and self-exclusion
  • Regular responsible gambling messages posted on pages visited online

Indeed, there is a lot that companies try to do to make sure that playing online poker and other games of chance is as enjoyable as possible for everyone.


Online Bingo Games Market Size, Reach, Forecast to 2029

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New Jersey, United States, – The latest report published by Verified Market Reports shows that the Online Bingo Games Market should experience a sustained pace in the years to come. Analysts looked at market drivers, restrictions, risks and openings in the global market. The online bingo games report shows the likely direction of the market in the coming years along with its estimates. An in-depth study aims to understand the market price. By analyzing the competitive landscape, the report’s authors have made a brilliant effort to help readers understand the key business tactics used by large companies to keep the market sustainable.

The report includes profiling of nearly all of the significant players in the online bingo games market. The company profile section offers valuable analysis of strengths and weaknesses, business developments, recent advancements, mergers and acquisitions, expansion plans, global footprint, market presence and Product portfolios of the main market players. This information can be used by players and other market participants to maximize their profitability and streamline their business strategies. Our competitive analysis also includes key information to help new entrants identify barriers to market entry and measure the level of competitiveness in the online bingo games market.

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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

Segmentation of the online bingo games market:

By Product Type, the market is majorly split into:

• Poker
• Casino
• Sports betting
• Other

By application, this report covers the following segments:

• Entertainment
• Commercial
• Other

The global online bingo games market is segmented on the basis of product, type, services, and technology. All of these segments were studied individually. The detailed survey helps to assess the factors influencing the online bingo games market. Experts analyzed the nature of development, investments in research and development, changing consumption patterns and the growing number of applications. In addition, analysts have also assessed the economic development of the online bingo games market which is likely to affect its price.

The regional analysis section of the report enables players to focus on high growth regions and countries which could help them expand their presence in the online bingo games market. Besides expanding their presence in the online bingo games market, regional analysis helps players increase sales while having a better understanding of customer behavior in specific regions and countries. The report provides the CAGR, revenue, production, consumption, and other important statistics and figures related to the global and regional markets. It shows how different types, applications, and regional segments are advanced in the Online Bingo Games market in terms of growth.

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Scope of the Online Bingo Games Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
PLANNED YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD / billion)
COVERED SEGMENTS Types, applications, end users, etc.
REPORT COVER Revenue forecast, company ranking, competitive landscape, growth factors and trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free customization of the report (equivalent to 4 working days for analysts) with purchase. Add or change the scope of country, region and segment.

Geographic segment covered in the report:

The Online Bingo Games report provides information about the market area, which is further further subdivided 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 during the estimated period.

• North America (United States 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 the rest of Latin America)
• Middle East and Africa (GCC and rest of Middle East and Africa)

Key questions answered in the report:

1. Who are the top five players in the online bingo games market?

2. How will the online bingo games market develop over the next five years?

3. Which product and application will capture the lion’s share of the online bingo games market?

4. What are the drivers and constraints of the online bingo games market?

5. Which regional market will show the most growth?

6. What will be the CAGR and size of the online bingo games market throughout the forecast period?

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WSOP dominates New Jersey online poker in November, but BetMGM continues to grow

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WSOP dominates New Jersey online poker in November, but BetMGM continues to grow

Overall, the New Jersey Online Poker Marlet fell 8.4% last month, compared to November 2020approaching $2.2 million. WSOP New Jersey was able to reclaim the market lead in terms of revenue, but the only operator to actually increase revenue year-on-year (YoY) was the BetMGM Poker team.

WSOP PA — in partnership with Caesars – was at the top of the poker revenue pile in November, but was down about $20,000 from its October take and about $100,000 from November 2020. Despite the drop, this was enough to put it back at number one in online poker revenue in the state, after two months of watching BetMGM’s back.

The BetMGM/party network — made up of partypoker NJ, Borgata Poker NJand BetMGM Poker NJ all sharing cash – was the only poker operator in NJ to post a year-over-year increase in a month that saw the market as a whole fall by around $200,000 year-on-year. BetMGM brands saw revenue increase nearly 5% compared to November 2020while WSOP PA made about 90% of revenue this year compared to November 2020.

WSOP PA regained the lead after two months when BetMGM led the revenue race. It peaked in September of this year with $1.02 million, its fourth month over $1 million on record. The advance was over $200,000 in September, but that advance dropped to around $50,000 in October, resulting in WSOP regaining its top spot last month by around $120,000.

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Market was down year over year, but well above pre-pandemic levels

While November is traditionally a slower month for online poker in New Jersey, the Total market size of $2.2 million may well signal the end of the pandemic boom. Down 8.3% over 2020, total revenue is the lowest gross value since February 2020the last recorded pre-pandemic month.

Although November marked the weakest revenue month in some time, it still represents a healthy increase from pre-pandemic levels. In November 2019, the total market did not even reach $1.5 million, so 2021 marks an increase of almost 50% compared to 2019despite the decline from 2020.

WSOP Leads in revenue

WSOP New Jersey came back on top with a good month of $854,000 in online poker revenue. That was down slightly from $874,000 in October this year, but was further from the $958,000 mark of November 2020.

As with the main market, WSOP November was still quite high compared to the revenue it was generating before the pandemic lockdowns of 2020. In November 2019, WSOP NJ led the state with just $619,000.

BetMGM Only operator with more revenue than in 2020

In a month of declines, the BetMGM brands of Borgata Poker NJ, BetMGM Poker NJand partypoker Poker NJ showed promise with the only year-over-year increase. Although he lost his lead over WSOP last month, Borgata managed nearly $735,000 in revenue in November 2021, compared to about $701,000 in November 2020 and $394,000 in 2019.

This significated Borgata took about a third of the market last month, compared to nearly 39% for the Caesars. This left PokerStarswith partner Resortsat the bottom of the market share stack with 27.7%.

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PokerStars plays the third wheel

With WSOP in the lead, and Borgata solidly second, leaving Pokerstars at the bottom of the pile. The month of November was a continuation of the loss of revenue and market share, mainly to the benefit of competitor Borgata.

With $607,000 in November, it held only 27.7% of the market against 33.5% for Borgata. In November 2019, however, resorts had a huge lead over Borgata with 32.2% to 26.4%. By 2020, the gap had narrowed to a difference of around 1.6%, with Resorts remaining slightly ahead.

We saw the market contract as a whole in November 2021 – this was somewhat expected, however, as November tends to be a smaller month in New Jersey each year. The year-over-year decline from 2020 might be slightly more concerning, but, despite the decline, November was still well above pre-pandemic levels at nearly 50%.

With the pre-pandemic NJ online poker market rarely reaching $2 million, even with the smallest November in 2021, the post-pandemic future of poker looks bright in NJ.

2021 poker year in review: Polk beats Negreanu, American online poker gets a big boost

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Take a look at some of the biggest stories in poker in 2021.

This year we’re doing something a little different and breaking down our annual review of the year of poker into three different parts: the Flop (January-April), the Turn (May-August) and the river (September-December). ). We end 2021 by looking back at some of our biggest stories, winners and surprises that unfolded in one of the most unique years in gaming history.

January

Although we are officially in 2021, some of the most important cases of 2020 had not yet been decided at the beginning of January, because Damien salas and Joseph herbert gathered at a near-empty Rio All-Suites hotel and casino in Las Vegas to play heads-up for a million dollars and determine who will win the official title of the 2020 World Series of Poker Main Event champion.

The final was not without detractors as an online version of the WSOP Main Event had been played on GGPoker earlier in 2020, but Salas – who had already appeared in a previous WSOP Main Event final table in 2017 – s ‘proved to be a worthy winner, taking home an additional $ 1 million and the WSOP Main Event bracelet.

“I’m not playing for the money, it’s not my goal,” Salas said after his victory. “My basic motivation is to get better and better every day and to remain a member of the world-class poker elite.”

READ: The desire to remain elite drives new world champion Damian Salas

As January continued to be full of exciting news for players including Chance Kornuth going to Phil Galfond in the Galfond Challenge, Ilyas Muradi winning the highly successful WPT Lucky Hearts Poker Open and Jack Hardcastle winning the WPT Montreal Online Main Event for $ 447,000, poker industry news dominated the first month of the year.

READ: Chris Moneymaker reflects on 17 years as Everyman Ambassador of Poker

For the fourth time in 12 years, the World Poker Tour has been sold under a deal with Element Partners, LLC for more than $ 78 million.

“This agreement will allow the World Poker Tour to do a number of things that it has always wanted to do,” said the CEO of the World Poker Tour. Adam pliska said at the time of the announcement of the deal, unable to fully expand on the nature of the takeover. “What I can say, however, is that for me and my management team we are still here and business continues as usual and we look forward to this exciting next chapter of the World Poker Tour.”

That same week, perhaps one of the biggest stories of the year erupted when the First Circuit Court of Appeals ruled in favor of the New Hampshire Lottery Commission in its case against the US Department of Justice, overturning a revised Wire Act opinion. In short, it was a big win for online poker players in the United States, setting the stage for a potential online poker boom in the United States in the years to come, removing legal barriers for potential states to enter. in action and even join multi-state pacts to increase total liquidity for Americans.

Almost at the right time, PokerStars officially launched PokerStarsMI.com, becoming the first operator to offer Michiganders (and visitors to the state) the ability to play online poker, legally and regulated, from within the United States. ‘State.

To end the month, Brazil Brunno Bottéon kept his hot 2020 streak intact and ended up as January’s Online Player of the Month.

February

February started off with a bang. The months-long heads-up grudge match between Daniel Negreanu and Doug Polk ended after 91 days and 25,000 hands. Polk wrote his name in the history books, beating Negreanu solidly and taking home around $ 1.2 million.

“I am very happy that I spent so much time preparing myself and felt that it really helped me tremendously and that I was able to perform at such a high level over such a long period of time,” said Polk said moments after the last hand of the challenge.

During the match, the feud between the two seemed to turn into a respectful rivalry and Negreanu paid homage to what was due in the end.

“He deserved it. He played well. I thought he made some really good adjustments. I thought he got better as the game went on. I thought he got better and better and more sharp, in many different areas, ”said Negreanu.

But that wasn’t the only high-profile high-stakes poker that took place in February as Tom Dwan emerged to take his place in the latest iteration of High Stakes Poker on PokerGO and took home a payout of $ 300,000. The appearance of Dwan was a pleasure for the fans who were equally delighted to find the popular programming “on the air”.

Phil hellmuth

READ: Hellmuth Rants and Palihapitiya win big on latest High Stakes poker

High Stakes Poker wasn’t the only mainstay of poker making a comeback in February as, after more than a year away from Las Vegas, the World Poker Tour returned to Sin City for the first time with the WPT Venetian. The final table featured the aforementioned Jack Hardcastle, as well as 2015 WSOP Main Event champion Joe McKeehen, but it was Qing Liu who took home the trophy and the $ 752,880 first place prize.

Brazilian Yuri Dzivielevski was in contention for the world’s top spot in the online poker rankings (something he ultimately held for most of 2021) and he also walked away with the honors of Online Player of the Month for February. .

March

Polk and Dwan were not done entertaining the poker world as the High Stakes Poker season stretched into March and the two top players continued to impress. Polk did what some have called “one of the best laydowns of all time” in a massive hand against Phil Hellmuth that rocked the poker world for days as Dwan’s dominance earned him another victory half a million, showing that although it was not in the public eye, it showed no signs of rust.

READ: Tom Dwan, Bryn Kenney Star in Biggest High Stakes Poker Pots S8

Another big winner in March was Vanessa Kade. After his high-profile clash with Dan Bilzerian on social media, Kade used that energy in the PokerStars Sunday Million 15th anniversary online event and walked away with the win for a changed $ 1.5 million salary. his life.

Seeking to replicate the same fervor of the one-on-one battle of Polk and Negreanu, the former No.1-ranked online pro Fedor Holz unleashed a beef with a high stakes cash game crusher Wiktor Malinowski and the couple agreed to bring their quarrel to the pen. The feud was probably fabricated and the heat wasn’t too hot, but fans were treated to a pair of high-stakes pros devoting time to entertaining viewers with the four-session challenge.

Brunno Botteon lost his grip at the top of the online poker rankings as Bert ‘Girafganger7’ Stevens took his third round at the top, but at the end of the month he gave way to Yuri Dzivielevski, who took control. and held it for the next six months.

In case you missed these popular profiles of some of the best poker players, we spoke with Alex Butcher about the possibility of becoming the # 1 player in the US and the work he needs to do on himself in order to to go out of your own way and be open. to succeed.

Speaking of success, Kevin Rabichow explained what made him go from being one of the best online cash game players in the world to playing tournaments and dedicating himself to success.

At the end of the month, Joao ‘Naza114’ Vieira won the Online Player of the Month award for March.

April

One of our most popular articles of the year was published in April when PokerStars discovered that Isai Scheinberg had agreed to be interviewed for the first time after sorting out all of his Black Friday legal issues. Scheinberg stepped into the spotlight and spoke about the early days of PokerStars, the start of the poker boom, the fallout from Black Friday, and what he does with his life after selling the company for nearly $ 5 billion.

“I valued privacy, but I was not a secret. It’s not the same, ”Scheinberg said, addressing the media for one of the very first times. “I was working hard. I was very busy and I’m not the type to go out and do public relations.

READ: Isai Scheinberg: his company, his legacy and the impact of Black Friday on both

The heads-up craze continued in April as Phil Hellmuth and Daniel Negreanu played in the first of three High Stakes Duel matches on PokerGO. The former was, for many, the most memorable as Negreanu reduced Hellmuth to a 19-1 disadvantage in chips. But Hellmuth used his #WhiteMagic to revive him and defeat Negreanu in what was set to become a running theme for High Stakes Duel.

PokerStars’ Spring Championship of Online Poker and GGPoker’s Spring Festival have both taken over the online poker scene, both offering massive guarantees and nonstop action amid the pandemic. One person who couldn’t get enough was the former No.1 Niklas astedt who couldn’t stay away from the headlines, winning multiple GGSF titles and adding to their SCOOP legacy.

Speaking of the former No.1’s performance in the spring, Simon ‘C Darwin2’ Mattsson won two SCOOP titles on the same day. Additionally, Chris Moorman finally added a SCOOP title to his CV, after winning the first SCOOP of his career.

READ: Joakim Andersson Ships $ 1.5M GGSF Main Event
READ: SCOOP: Series Ends As ‘kZhh’ Wins 10L Main Event Title, $ 878,000

With a massive accumulation of points in the leaderboards, high stakes legend Sami ‘LarsLuzak’ Kelopuro won Online Player of the Month in April.

The results of the year of poker 2021 will continue!


Take part in Bovada’s Monthly Milly online poker tournament

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Each month, Bovada Poker reserves a special Sunday to host a massive $ 1 million guaranteed online poker tournament.

The $ 535 buy-in Monthly Milly will take place on Sunday, January 30.

You also have plenty of time to qualify for the discounted event. The popular online poker site hosts qualifying tournaments and daily satellites that start at just $ 1.10.

Bovada Poker offers a fast and smooth interface, and users also appreciate the site’s easy-to-use mobile functionality which allows players to get their fix of online poker from their smartphone or tablet.

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Bovada’s software has plenty of other great features, such as all-in percentages, table customization options, hand history viewer, and even a bunny camera, which lets players know what would have been next. card even after folding.

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Online poker revenues drop slightly in November, but remain consistent

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we online poker incomes remain strong month over month in legal and regulated states. Globally, November has seen slight declines in regulated states, but overall online poker remains at historically high numbers.

Overall, online gaming continues to set new records and month-over-month growth is strengthening. Online poker operators, such as partypoker american network, PokerStars, and WSOP.com continue to strongly promote the major tournament series each month.

Current states of legalized online poker include:

  • New Jersey
  • Pennsylvania
  • Michigan
  • Nevada
  • Delaware

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New Jersey online poker drops slightly

In November, the Garden State reached the $ 2 million brand again for online poker operators, according to the New Jersey Gaming Law Enforcement Division (NJDGE). This is a high number, but a slight decrease from $ 2.2 million in November.

This is down from the $ 2.4 million reported in October. There are currently three online poker operators in the state, including:

After holding the No. 1 spot in poker in New Jersey for two months, partypoker relinquished the lead to WSOP.com in November. WSOP registered with $ 854,361 and led the monthly online circuit ring series.

WSOP.com remains the only operator offering cash shared with Nevada and 888poker in Delaware.

Partypoker fell to second place and earned $ 734,749 In income. This is a sharp drop from the $ 933,471 in October and $ 1 million in September.

The company has just launched a new monthly series for low limit shredders called the Inexpensive Stakes Set. PokerStars took about a 2.5% month-to-month decline with income of $ 607,415.

On the New Jersey live scene, only three live poker rooms are open in Atlantic City, including:

New Jersey online gaming shows year-over-year growth

November again brought big numbers for the Garden State. Online games generally represented $ 118 million, an increase of 28.5% from $ 91.8 million a year ago.

The Borgata /BetMGM the brand shows its dominance as the operator remains in first place for nine consecutive months.

After the record month of October, BetMGM fell to $ 33.7 million in November. Gold nugget came in second with $ 31.7 million and Resorts in third with $ 27.8 million.

The total gambling taxes in the whole of the state of New Jersey were $ 46.5 million. Gaming taxes represent 8% of gross taxable income from casinos and 15% of gross income from internet gambling.

Pennsylvania online poker takes small plunge, but remains # 1 nationally

Online poker revenues in Keystone state edged down in November. Monthly reports showed $ 2.8 million in Pennsylvania from $ 2.9 million in October.

The Commonwealth sees a lot of poker promotions and is the largest regulated online poker state. There are currently three online poker options in the Pennsylvania:

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

PokerStars remains strong and leads the pack with $ 1.8 million in November. The site is currently running their 25 days of Christmas promotion to help increase the numbers.

WSOP.com saw its revenue increase by reporting $ 648,623 in November. The company is currently running promotions to help players earn a chance to access the super bowl.

BetMGM / Borgata Poker came in third and brought in $ 317,877 in November. Both skins are part of the partypoker US Network and feature monthly online series.

Online gambling is on the rise 57% year after year in Pennsylvania. The state posted a gross income of $ 93.8 million in November.

As reported by the Pennsylvania Gaming Control Board, total gaming revenue for November was $ 432.4 million. This represents another record in the state and a 52% increase year over year.

According to the Pennsylvania Gaming Control Board, November taxes on internet gaming reached $ 39,114 in November.

Live PA Poker Rooms

Traditional Pennsylvania poker players have just received some good news. Pittsburgh Live! Casino just opened his poker room.

Here’s a look at the live poker rooms in the state that are now open:

  • Parx Casino
  • Mohegan Sun Pocono
  • Mount Airy Casino Complex
  • Rivers Casino Philadelphia
  • Rivers Casino Pittsburgh
  • Meadows Racecourse and Casino
  • Philadelphia Live Casino
  • Wind Creek Bethlehem
  • Pittsburgh Live Casino (just opened)

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Another month, another Michigan record

Wolverine State broke another online gaming record in November, according to the Michigan Games Control Board (MGCB). The state has shown a 20.7% month-to-month growth.

Michigan produced $ 161.7 million in combined income from online games. This is an increase from the previous record of $ 109.7 million set last month.

Michigan combines poker and online gaming in the state revenue report. There are two online poker operators including:

  • PokerStars
  • BetMGM (part of the American partypoker network)

BetMGM and FanDuel saw small decreases on the casino side. BetMGM led the state in gross online gaming revenue with $ 40.1 million. FanDuel saw a small drop for the month when they posted $ 16.7 million in November.

Internet sports betting revenue nearly doubled from last month and set a new record of $ 54.1 million. A record was also set when Michigan produced $ 463.3 million. Handle was up 2.3% from October.

Online gaming operators paid $ 21.4 million through tax revenue to the state, including:

  • Internet gaming taxes and payments – $ 19.8 million
  • Internet sports betting taxes and payments – $ 1.6 million

Currently, six Michigan brick-and-mortar live poker rooms have reopened, including:

  • MGM Grand Detroit
  • Hotel Casino Motor City
  • Greektown Casino-Hotel
  • Odawa Petoskey Casino
  • Firekeepers Casino Hotel
  • Island Resort & Casino

Michigan casinos offer many promotions to poker players to put players in their place.

Delaware poker is growing slowly, iGaming is rising

For the second month in a row, First State saw an increase in online poker. In November, the state reported total online poker revenue of $ 33,361.

According to Delaware Lottery, iGaming had its best month of the year at $ 996,639. Delaware reported 772 new player registrations in November.

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

  • Delaware park
  • Dover Downs
  • Harrington Casino and Race Track

Two out of three sites recorded weak monthly growth. Delaware Park remained the state’s premier online site and released it monthly in 2021.

Delaware park brought $ 20,328 and is also the only live poker room open in the state. Northeastern casinos continue to experience labor shortages. The tri-state area posted monthly job ads.



Play Bingo Online For Real Money – Everything You Need To Know! – News from the European gaming industry

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Reading time: 4 minutes

Online bingo for real money has become extremely popular in the UK, Canada, Australia and many other countries. Playing bingo online could be a great pastime for retirees looking to fill their days with excitement. Many claim that bingo has remarkable health benefits, both physical and mental. The motto “Bingo at your leisure” has spread to seniors around the world.

Online Bingo Guide allows players to have fun without spending a lot of money since most sites do not charge a registration fee or monthly membership fee like land-based casinos. Bingo is easy to play and understand. The variety of bingo games offered by the websites include bingo and 90 and 75 ball slots, as well as other casino games. An online bingo site usually offers a no deposit required bonus for new players. An example of such a bonus is the free $ 10 offered at Royal Vegas Casino.

Other promotions can include extra cash or free spins on slots. Some casinos also allow players to cash out their winnings directly into their PayPal account. Plus, playing bingo online is a great way to spend time with friends and family. Since most bingo sites offer rooms where multiple people can play simultaneously, players don’t have to wait for a table to become available. It makes it easier to interact and socialize with other players, not necessarily friends as he is so popular around the world.

Bingo websites can offer a lot of incentives to play, but real money bingo has its downsides. Traditional land-based casinos have large screens showing the smallest details of what is happening in each table game at all times, which adds to the excitement. In online bingo, players have to watch their computer screens for the number that is being called. This can be a drawback for older players who may no longer have 20/20 vision and can’t appreciate the fine details of what they’re playing for.

Some websites have a “chat” feature that allows players to interact with each other. This can be a downside if players don’t know how to behave within the confines of good taste, which can happen in any situation. Intoxicated or rude players may try to turn the game into an opportunity to make personal remarks, which have no place in bingo. These players are usually invited to leave by the moderators who monitor online games. In fact, some websites don’t allow players to chat at all, which keeps the game pure and serious.

There are many variations of bingo that people can enjoy, each with their own unique charm and format. Playing online is a good option for older people who can’t travel or don’t want to go out at night. Most bingo sites offer free lessons to help players understand the game well enough to play for real money. The websites also offer assistance with depositing and withdrawing winnings, which can become complicated if players are not familiar with banking procedures.

Seniors who don’t want to go out at night but still want to have some social fun can play bingo online for real money. And if they don’t want to spend their winnings, they can simply collect their winnings directly to their PayPal accounts or convert them into free spins on the slots.

The 4 best online bingo sites

Raffle is a completely free bingo site. You don’t need to download anything, and there is no registration, no deposit, and no credit card required! There are also thousands of instant win games that you can play anytime you want, 24/7, 365 days a year, such as Fluffy Favorites, Deal or No Deal Bingo, Dragon Slayer, Tombola Bingo. and many others ! The raffle is where the heart is, so why not give it a try now?

Gala Bingo is a leading bingo site offering players the opportunity to play free bingo games and win real money prizes. New players can get up to £ 130 in bonus money when they deposit just £ 5 and play with on their first three deposits.

Gala Bingo offers a wide selection of 75, 80 and 90 ball bingo games, as well as 25 slot machine game variations, including Deal or No Deal Bingo and Tombola Bingo. With a personalized bingo hall, chat games for players to interact with each other, and various side games available throughout the day, Gala Bingo provides a fun and exciting online bingo experience.

Sun Bingo is offering players £ 10 totally free to play with. As soon as you register, you will be eligible for the € 10 no deposit bonus that awaits you! Register now to claim it and start playing bingo right away! Players can also enjoy many other great rewards including regular fun promotions and a wide selection of bingo games.

Sun Bingo offers an exciting variety of 75 ball, 80 ball and 90 ball bingo games, as well as online slots and instant win games. Play for free or play for real money with Sun Bingo – the choice is yours!

Buzz Bingo offers players a variety of ways to win! Play online bingo and slots at the same time, or play risk-free and free. Deposit as little as £ 1 and play anywhere, anytime with your mobile device. Players can also take advantage of regular promotions including giveaways, risk-free games and prize bingo jackpots!

Buzz Bingo offers a selection of 90 ball, 80 ball and 75 ball bingo games, as well as fun instant win games. With over 100 top notch slot games available including Tombola Bingo, Deal or No Deal Bingo, and Fluffy Favorites, there are plenty of ways to win big at Buzz Bingo!

Conclusion

Online bingo is a popular activity for seniors who want to play games in the comfort of their own homes. Playing online also gives them options like playing free bingo without spending any money or making a deposit and winning real money. Plus, it only takes a few mouse clicks to find the perfect piece that matches their tastes. You can visit smartbingoguide.com for more information.


Microgaming plans Latin America hike after hailing Buenos Aires progress

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Micro games welcomed the first progress made in the Argentine province of Buenos Aires, following the recent launch of a range of operators in the region.

The online gaming provider, which has also praised its position in the autonomous city of Buenos Aires, where gambling is separately regulated, will offer customers access to a range of casino games.

Microgaming will initially deliver a total of 49 games to both markets through its aggregation platform, including Immortal Romance, Thunderstruck II and Break Da Bank Again online slots, as well as a number of recent releases.

These will be integrated alongside a host of exclusive Microgaming content, with customers also having access to its range of partner content.

The company reports that several members of its customer network have been granted licenses to offer a range of online gambling products in the city and province of Buenos Aires, with more operators expected to come online in the next few months. next months.

In addition, Microgaming informs that it will also target other newly regulated Argentine provinces, as well as the vast region in general, as it aims to ensure further expansion after entering Colombia in 2018.

Hayley Da Silva, Head of Markets at Microgaming, said: “With safer gambling and fair play at the core, we are proud to welcome the new regulations in the city and province of Buenos Aires.

“We have closely supported our clients in the licensing process for market opening, and we are delighted to see them take off from the start! “

Last month, Microgaming agreed to sell its Quickfire distribution business and online gaming portfolio to Games Global, a privately funded company that was formed in early 2021.

Billed as a “historic sale”, the deal will see the latter acquire the international distribution rights to Microgaming’s exclusive gaming content, including progressive jackpot titles, as well as its vast customer base of more than 900 global gaming brands.

The acquisitions, which are subject to obtaining certain regulatory approvals from Games Global, are expected to be finalized in the second quarter of 2022.


Gambling revenue breaks another record, online poker drops slightly

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Another month, another gaming revenue record for Pennsylvania. But online poker revenues, a drop in the bucket compared to other streams, remain stable.

Pennsylvania bettors have pushed the game’s revenue above the $400 million mark. (Image: nps.gov)

According to the Pennsylvania Gaming Control Board’s report for November, the game’s revenue hit a record high of $432,493,349, beating the most recent watermark for October by nearly $6 million.

Online poker revenues remain stable

The state’s four online poker rooms raised $2,754,681 last month, down slightly from the $2,854,323 they raised in October. Only WSOP.com saw an increase in revenue, while the rest of the sites failed to match the previous month.

PokerStars, which enjoyed a monopoly as the sole provider of online poker until April, is experiencing the setbacks of competition. Last November, it brought in $2.4 million, but the site hasn’t crossed the $2 million mark since June ($2,013,415).

One of the reasons the number of online poker players isn’t growing quickly – if at all – in Pennsylvania is due to the state’s geolocation rules, which limit the size of the total player pool by preventing players within state borders to compete against players from other jurisdictions. Currently, only Nevada, New Jersey and Delaware are part of a pact that allows their residents to play poker with each other online.


Pennsylvania Online Poker Revenue – November 2021

  • PokerStars $1,788,180 (-68,000)
  • WSOP.com $648,623 (+$61,000)
  • BetMGM $232,763 (-70K)
  • Borgata $85,114 (-$23,000)

Online poker revenue in Pennsylvania in 2021, by month

  • January, $2.7 million
  • February, $2.5 million
  • March, $2.4 million
  • April, $2.3 million
  • May, $2.2 million
  • June, $2.4 million
  • July, $2.6 million
  • August, $3.2 million
  • September, $2.9 million
  • October, $2.854 million
  • November, $2.754 million

The online income gap is significant

Four casinos manage online poker sites: Hollywood Casino at Penn National in partnership with BetMGM, Rivers Casino with Borgata, Mt. Airy with PokerStars and Harrah’s with WSOP. With the exception of Mt. Airy, online poker revenue is minimal compared to what businesses make from other online streams.

Online gaming revenue — All sources, November 2021
Slot machines board games Poker Total revenue
Hollywood casino $22,973,883 $14,172,945 $232,763 $37 million
Casino of the rivers $21,356,067 $2,796,872 $85,114 $24 million
Mount Airy $2,017,794 $891,082 $1,788,180 $4.7 million
Harrah’s $1,302,100 $194,879 $648,623 $2.1 million

Sports betting drives total revenue growth

With football, hockey and basketball all in action last month, it’s no surprise that sports betting played a big part in driving the industry to its new record high last month.

Across the state’s 17 casinos, including 13 of those offering online sports betting, the Commonwealth raked in a record total of $761 million in November. The figure represents a 70% year-over-year increase and generated $63.6 million in taxable income in November, up from $24 million in October.

Those numbers also helped the state collect more than $400 million in total gaming revenue for the fifth consecutive month, which is a level Pennsylvania Gaming Control Board Executive Director Kevin O’Toole said. he was waiting to become the new normal when he performed for the first time in July.

With the Omnicron variant currently forcing the cancellation and postponement of many major sporting events in the United States and abroad, it will be interesting to see the impact that COVID has on in-state gaming revenue. coming.

Decline in online games

While sports betting was up in November, revenue from iGaming, which includes online poker but not online sports betting, reached just $94 million at 10 casinos last month, or about 10 million dollars less than in October. Most of the decline came in the online slots column, which fell around $7 million.

Pennsylvanians still bet $63 million through the flat-faced, unarmed digital bandits in November. Internet table game revenue reached $28 million, down about $1.5 million from October.

Taxes generated from total internet gambling amounted to $39 million. Penn National’s online gaming machine’s Hollywood Casino propelled it to the top of the total gaming revenue chart with $60 million. That’s $26 million more than the casino took in last November.

Pennsylvania saw a 52% increase in total gambling revenue from this time a year ago, and a 57% increase from online betting alone. Meanwhile, in-person gaming revenue also fell in November, with live slots and table games dropping $17 million and $6 million from October, respectively.

Written by

Bob Pajich

Bob Pajich is a poker journalist, creative writer, and poker player who has never encountered any suited connectors he doesn’t like. If you liked what he writes, follow him on Twitter: @PondHockey2.

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I’m retired and struggling to pay off $25,000 in credit card debt. What can I do?

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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 who pay us for our services, all opinions are our own.

The Credible Money Coach helps a retiree understand her options for managing credit card debt. (Credible)

Dear Credible Money Coach,

I’m married and my credit card debt is around $25,000. Naturally, they all have high interest and paying the minimum takes forever. These cards are in my name, not my husband. I probably wouldn’t apply for a consolidation loan since I’m retired and only have social security as an income. Of course, I’m taking money from our joint account, but it’s killing us. We have been eliminating them for years. What is your suggestion?

Thank you – Beth

Hello Beth. I am truly sorry that you have to deal with this financial burden. You are not alone in this struggle. At the end of 2020, Americans had about $825 billion in credit card debt, according to the Consumer Financial Protection Bureau.

And you’re right that making only the required minimum payment each month means it will take a long, long time to pay off your credit card debt. Credit card issuers are required by law to include a disclaimer on your monthly statement explaining how long it will take to pay off your balance if you only pay the minimum. The statement should also tell you how much you will need to pay each month to completely pay off the debt in just three years.

This information can be a good starting point for formulating a plan for pay off your credit card debt. Your plan may include several tactics, such as following the debt avalanche method, taking out a personal loan to consolidate your credit card debt, and rebudgeting to give you more money to spend on your credit card payments.

Let’s look at some strategies that might be helpful.

before you do anything else

Gather all your credit card statements and call each card issuer. Let them know you’re having trouble and look for other ways to pay off your balances sooner. Ask for an interest rate cut or a temporary reduction in payments (although the latter is a kick in the box).

Although the law does not require a credit card issuer to make concessions, it is always worth asking if the card company can help in any way. At the very least, they can suggest other options they can offer. And at best, you might be able to lower your interest rate if there’s a promotion you qualify for.

Consider a debt avalanche or snowball repayment plan

Beth, you didn’t say what other types of debt you might have, but with $25,000 in credit card debt and fixed income, any other type of debt seems equally burdensome. You might consider employing a comprehensive strategy to pay off all your debts, including credit cards.

Two options are the debt avalanche and debt snowball methods.

With the the debt avalanche method, you prioritize paying off the debt with the highest interest rate. Continue to make minimum payments on all other debt and invest as much as possible in the most expensive debt. This will help you pay off that debt faster. Once it’s fully paid off, focus on the card with the next highest interest rate, and so on.

the debt snowball method focuses on paying off the debt with the smallest balance first, regardless of the interest rate. Pay the minimum on all your other debts and put an extra to pay off this card. It may be faster and easier to pay off that smaller balance first, and once that debt is exhausted, you can allocate the amount you were paying to the next largest debt, and so on.

In addition to helping you repay your debts more quickly, these two methods can give you a psychological boost since you will have the satisfaction of seeing your debts decrease.

Replace high-cost credit cards with lower-cost debt

The challenge with the debt avalanche and snowball methods is that they rely on you having extra money to spend on your credit card debt. This can be difficult if your budget is already tight.

Turning high-cost credit card debt into low-interest debt can be one way to give yourself breathing room to move faster toward paying off your total debt.

Here are two possible ways to do it:

Apply for a 0% APR credit card and transfer your balance

Some credit card issuers offer cards that come with 0% APR for a limited time when you open the card and transfer a balance from another credit card. At the end of the promotional period, a regular interest rate will be applied to any remaining balance. If you can repay the entire amount transferred before the end of the promotional period, it can be a good way to avoid paying interest charges for those months and pay off the debt faster.

A few caveats to consider, however:

  • The 0% APR is for a limited time, often around 18 months.
  • The promotional rate generally only applies to the amount transferred, not to any new purchases you may make with the card.
  • You will generally need good to excellent credit to qualify for a balance transfer card.
  • Credit card issuers usually charge a fee to transfer your balance.
  • You may not qualify for a large enough balance to transfer all of your debt.

Apply for a low rate personal loan

Credit cards are among the most expensive types of consumer credit. I say “general public” because some types of bad loans, like payday loans, can have fees equivalent to three-digit APRs. Since you said your credit card interest rates are high, you might be able to get a lower interest rate with a personal loan.

A personal loan can have several advantages over continuing to pay the minimum on your credit cards, including:

  • Potentially lower interest rate — In August 2021, the average credit card interest rate was 17.13%, while the average 24-month personal loan rate was 9.39%, according to Federal Reserve data.
  • Final payment date — It can be difficult to know when you’ll be able to finish paying off your credit cards, especially when you’re only paying the minimum amount. Personal loans come with final loan terms, so you’ll know exactly when you’re done paying off the debt.

Although your credit card debt is in your name, there is no rule that you alone should be responsible for any personal loan used to pay off that debt. Combining your Social Security income with that of your husband can help you meet the income requirements of a personal lender.

However, as with any type of credit, personal loans come with possible drawbacks:

  • You’ll generally need good to excellent credit to qualify for the best rates, although adding a co-signer with a higher credit score can help.
  • Some personal lenders charge origination fees and other fees.
  • If you use the personal loan to pay off your credit cards, but keep adding new debt to the cards, you could end up in even more debt.

Last words

You can also consider bankruptcy if you find that none of these suggested strategies work for you. But bankruptcy should always be an absolute last resort – its financial and credit effects are significant and long term.

If you decide to transfer your high-interest credit card debt to a low-interest form of debt, it’s essential that you shop around to find the best deal. Rates and terms can vary widely from one credit card company to another, and between personal lenders.

You can use Credible to view prequalified personal loan rates and obtain fee information from Credible’s partners.

Ready to know more? Check out these articles…

Need Credible® advice for a money-related question? Email our credible financial coaches at [email protected]. A Money Coach could answer your question in a future column.

This article is intended for general information and entertainment purposes. Use of this site does not create a professional-client relationship. Any information found on or derived from this website should not replace and should not be taken as legal, tax, real estate, financial, risk management or other professional advice. If you require such advice, please consult a licensed or competent professional before taking any action.

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About the Author: Dan Roccato is a clinical professor of finance at the University of San Diego School of Business, personal finance expert Credible Money Coach, published author and entrepreneur. He has held senior positions at Merrill Lynch and Morgan Stanley. He is a recognized expert in personal finance, global securities services and corporate stock options. You can find it on LinkedIn.

How US online poker could develop if IGT wins a lawsuit against the DOJ

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How US online poker could develop if IGT wins a lawsuit against the DOJ

Pixabay

If a trial that IGT and its US-based affiliate filed against the Biden last month MJ Goes as America’s gambling lawyers expect, U.S. online poker could expand to several other states in no time, and it could open the doors to shared cash with Michigan and Pennsylvania .

It’s because IGT, the country’s largest video game and lottery service provider, has taken over MJ to criticize his persistent silence regarding the Wire Act. Regulators in Michigan, Pennsylvania, and elsewhere frequently view the law as the primary obstacle to their states joining interstate agreements that could provide the shared liquidity needed to support online poker.

“I think IGT wins this case and hopefully gets the ruling and protection he hopes for ”, Jeff Ifrah, Ifrah Law SARL, said pokerfuse.

How the parties got here

At the end of last month, IGT filed a lawsuit in the District Court for the District of Rhode Island asking the court to declare a 2018 notice by the DOJ Legal Counsel’s Office (CLO), published under the Trump administration, as “against the law”. The company said the 2018 notice put it at risk of prosecution unless it undertakes a prohibitively expensive restructuring effort.

This is a Trump decision MJ overturning a 2011 opinion of Obama MJ that the Wire Act only applies to sports betting. But the 2018 opinion didn’t go far in court: New Hampshire district court ruled against Trump MJ in 2019, and the First Circuit Court of Appeals upheld the lower court’s decision in January 2021.

The biden MJ then refused to appeal before a deadline to do so in June. But to the chagrin of state and industry officials, the MJ has been discreet about what the missed deadline means. To date, states have been reluctant to join interstate agreements such as the Multi-State Internet Gaming Agreement (MSIGA), which currently includes Delaware, Nevada, and New Jersey.

“The biden MJ the agenda is focused on other issues that are the top priority for the administration, ”said Jeffrey Silver, legal counsel at Dickinson Wright. Gambling is not one of them and never has been. Courts are reluctant to make general decisions, so the issue is likely to remain ‘open’.

Gregory Gemignani, lawyer at Dickinson Wright SARL, said it was not clear what would happen next. “The biden MJ signaled that he did not intend to rely on the 2018 opinion, ”he said. “The MJ could rescind the 2018 notice and the question would be moot. However, that the MJ will do so remains unknown.

Rescinding the 2018 notice is the same step that the attorneys general (AGs) of 25 states and the District of Columbia urged Attorney General Merrick Garland to accept a letter they sent in June.

Trial designed to seek clarity

IGT argues that the decision of the court of appeal in New Hampshire Lottery Commission v. Barr applies only to complainants in that specific case, including the Lottery and its service provider, NeoPollard Interactive. And since the MJ did not come out and disowned the 2018 review, it technically remains MJ Politics.

“That is why IGT wants clarity, ”Silver said. “They do business in many jurisdictions outside of the First Circuit and must demonstrate to various state gaming regulators that they are in compliance with federal law.”

Anthony Cabot, Distinguished Fellow in Gaming Law at the Boyd School of Law, University of Nevada-Las Vegas (UNLV), stated the initial decision of the district court in the New Hampshire the case, coupled with court of appeals backing and DOJ Biden’s decision not to appeal “makes any attempt to enforce the 2018 opinion highly unlikely.”

“If this resulted in a court decision, IGT would push for a decision that had broader implications than the impact of the 2018 advisory on its Rhode Island operations. The best scenario is for the MJ to reject his manifestly incorrect and politically motivated 2018 opinion and to reaffirm the proper analysis of his 2011 opinion that the Wire Act only applies to sports betting. This may be the course on MJ takes as it is correct, timely and profitable.

But Ifrah doubted the Biden MJ would issue such a public statement. He added that he had seen “no evidence” that the ministry still considers the 2018 opinion to be its official policy. “No one can believe that this administration will use the 2018 opinion against this industry,” he said. “Even a future administration would be unlikely to do so.”

Deputy GA promised 90-day review

IGT also revealed in his complaint that the MJ proposed to conduct a 90-day review of its lottery operations to determine whether it is in violation of the Wire Act.

Cabot said the 90-day review “could be a ploy on the part of the MJ convince the court to avoid making a final decision on the grounds that the controversy is not ripe for consideration until the MJ in fact threatens IGT’s business. Why the MJ would want to kick that box on the road to leave an incorrect opinion pushed by Trump to appease campaign supporters would be confusing. “

But Ifrah said then Deputy Attorney General Rod Rosenstein had “promised [a 90-day review] when the 2018 advisory was first issued. And Gemignani said the reasoning behind such a review was to prevent otherwise law-abiding citizens from going to jail.

“The Federal Wire Act is a criminal law with a prison sentence as a potential sentence,” Gemignani said. “The Trump MJ issued the 90-day warning regarding the application of the 2018 advisory as they realized that many law-abiding individuals and businesses were relying on the 2011 advisory to conduct their business in accordance with this advisory .

Regardless of what happens in court, Cabot said the gaming industry “must be proactive and convince Congress to amend the Wire Act to ensure its viability against illegal operators while removing any ambiguity and unnecessary burden on it. state-authorized sports betting. This shouldn’t be difficult because the Wire Act is poorly drafted and outdated. “

Always, IGT “Will be grateful for any forbearance statement which may give it a reasonable, albeit temporary, safe haven to continue its operations,” said Silver.

For his part, the Trump MJ recognized at the time of the 2018 overthrow that the matter was subject to challenge in court.

“Coming to a conclusion to the contrary from our previous opinion will also increase the likelihood that the executive’s view of the law will be tested by the courts,” wrote Steven Engel, the former deputy attorney general and head of the CLO who wrote the 2018 opinion.

“That phrase might be the only thing the 2018 CLO the opinion was correct, ”said David Gzesh of Gzesh Law Ltd.

The case in Rhode Island District Court is IGT and others c. Garland and others (N ° 1: 21-cv-00463).


BetMGM launches online bingo offer in New Jersey

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BetMGM has launched an online bingo offering in New Jersey called Borgata Bingo. [Image: Shutterstock.com]

First of its kind in the United States

BetMGM started Borgata Bingo in New Jersey. The gambling operator announced the launch on Wednesday, the first time that real-money 75-ball online bingo will be available in the United States. In addition to the bingo side of the offer, Borgata Bingo players will also be able to access exclusive slot games and progressive jackpot games on the BetMGM network.

Variants of 75 ball and 90 ball bingo are available through this offer.

Entain, the co-owner of BetMGM, developed the bingo product, using their many years of experience in the space. Variants of 75 ball and 90 ball bingo are available through this offer. Players can also earn M life rewards through their game which are redeemable at MGM Resorts properties across the United States.

Provide a fun gaming experience

New Jersey residents will be able to access Borgata Bingo directly on their desktop or through their iOS or Android mobile devices. Mobile gamers can download an app or play through their device’s web browser.

Talk about the launch of Borgata Bingo was the vice president of BetMGM gaming Matthew Sunderland. He said, “Borgata Bingo provides players with an engaging digital gaming experience – one that builds on the fun of live and in-person bingo. He then underlined the pleasure of presenting this “first of its kind” platform as the operator expands the Borgata brand online.

The different offers of BetMGM

BetMGM is already the number one online casino operator in the Garden State. In October, its share of total gross gaming revenue in this segment was around 30%. It has a significant market share in the other states that currently allow online casinos: Michigan, Pennsylvania, and West Virginia. It also operates sports betting and online poker sites in various regions.

BetMGM is a joint venture between MGM Resorts International and UK gambling group Entain, established in 2018. It owns many brands including BetMGM, Party Casino, partypoker and Borgata Casino.

News of Borgata Bingo’s launch comes the same day 888 Holdings revealed it was selling all of its bingo business in order to focus on expanding its core products and growing its presence in the United States. It sells its B2B and B2C bingo business to Broadway Gaming in a deal worth $ 50 million.


888 Sells Its Entire Online Bingo Business to Broadway Gaming, Focuses on Major Markets

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Broadway Playgroup‘s Saphalata Holdings announced wednesday the acquisition of all of the online bingo business units of 888 tracks for a total consideration of $ 50 million.

Under the new agreement, Broadway Group will integrate 888’s Dragonfish B2B holding and several B2C operators, including its technology, assets, operations, customer base and consumer brands.

The transaction is expected to close in the second quarter of 2022, depending on the reorganization of the bingo activity and the new structure of this holding company benefiting from a UK Gambling Commission Licence.

888 made the decision sell its bingo divisions following a review in which the LSE-registered gambling group concluded to better focus on its core platform, generate revenue to “core markets” such as the US and eliminate a complex compliance situation due to related accounts on B2C, B2B and major platforms.

CEO of 888, Itai Pazner, spoke in a press release about the transaction and said, “As a result of a strategic review, we have made the decision to sell the bingo business. This strategic transaction will allow 888 to further focus on its core platform and unified, scalable and proprietary technology, and grow our core casino, sports and poker verticals, as we continue our mission to be one of the world’s leading online betting and gaming companies. The high-quality bingo business has been an important part of 888’s history, and over many years we have developed an advanced B2B offering alongside a suite of popular consumer brands. As part of an expanded business, I am very confident that the future of the bingo industry is bright. I would like to express my immense gratitude for all the hard work of the team over the years. “

Broadway aims to become the UK’s premier online bingo network, expanding its brand portfolio with the B2C brands of Wink, Costa and Robin Hood bingo. The 888 bingo teams will also move to Broadway.

David Butler, CEO of Broadway Gaming, said: “We are delighted to have entered into an agreement with 888 to acquire its bingo business and platform. By combining them with our existing businesses and brands, which include “Butlers Bingo”, we will be able to achieve an even stronger global footprint in the major regulated bingo markets. We have worked extensively with the 888 Group over the past few months and have been very impressed with the quality of the bingo platform and product, the B2C and B2B activities, its approach to safer play and player protection. , and especially the management team. We see other significant expansion opportunities in the B2C and B2B segments, and we are very excited about our plans for the future, as we work closely together to become the leading online bingo company in the world. world.

The purchase will be paid in cash at completion on a cash-free and debt-free basis and will include a potential earn-out of up to $ 4 million, who will be payable within approximately six months, after completion of the takeover bid based on performance criteria based on sales.

Through the acquisition of 888 bingo holdings, Broadway will secure access to a predominantly UK-based business with 2020 revenue of $ 65 million and EBITDA of $ 7.4 million, which was estimated to be worth $ 71 million, according to the balance sheet of the group at June 30, 2021.


Credit card repayment and debt relief companies

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By Michelle Petrowski, CFP

Credit card debt can accumulate for a variety of reasons, and for the most part, it can be a source of shame and embarrassment. It’s certainly not something that many people would be eager to discuss with their financial advisor, friends or family. But when you do, be careful! Everyone has good advice, once asked for, and sometimes the advice never seems to end, even when it’s not asked. You will hear from those who have used a personal loan, a debt consolidation loan, a HELOC on their home, balance transfers to credit cards at 0%, a 401K loan, a debt repayment plan according to the snowball method and maybe even a debt relief company, to name a few.

michelle petrowski

Nonprofit Debt Management Credit Counseling Companies

There are many options, with pros and cons. The one I really like, for many reasons, is the debt management company run by a non-profit consumer credit counseling agency. I speak from personal experience. Ten years ago, because of my divorce, I had accumulated a large credit card debt for attorney fees and divorce costs. This is the route I have chosen.

Now that’s embarrassing to say. But I had exhausted all my savings and this was the best option for me and my family. I didn’t want to touch my retirement accounts.

If you don’t know them, a debt management company works with your creditors to restructure your debt by creating a debt management plan (DMP) tailored to your unique situation to help you pay off debt quickly. For a fee, these companies negotiate lower interest rates with your creditors and consolidate your unsecured debts into one monthly payment. This simplifies the repayment process without you being overdue, with no derogatory event on your credit file (unless of course you are already in arrears), and you know exactly when the debt will be repaid. It can definitely be a stress reliever: one payment, one end date, and a lower interest rate.

The impact?

Yes, you should be prepared to close these accounts, but no one looking at your credit report knows you are enrolled in one of these programs. Be aware that credit scoring models use a variety of credit age-related measures when calculating your score, including the average age of your accounts, the age of your oldest account, and the length of time elapsed. opening an account. So closing accounts will impact the length of your account history, which could potentially impact your score if you close an account that’s been open for a long time. But for me, in my situation, the benefit outweighed the small impact it had on my score.

What is a for-profit debt relief company?

There are other debt relief companies that seem to follow a similar process, but they are “for profit”. They almost always require you to be past due on your accounts (and for several months in some cases) so that they can negotiate a lower interest rate on your behalf and their fees are usually higher – remember, they are “for profit”. Additionally, “delinquent” on your obligations to enter one of these programs will certainly have a negative impact on your score, far greater than closing a checking account.

Find an agency

Are you looking for a debt management company? You can try the Financial Advisory Association of America(800) 450-1794, or National Credit Counseling Foundation, (800) 388-2227. You can also check any debt relief service with your state attorney general and local consumer protection agency before deciding to do business with them.

Finally, personally, I don’t know anything about the companies mentioned in these articles, but Forbes and NerdWallet recently published articles that may provide additional information and direction for any research on this topic, as well as the Federal Trade Commission (FTC) article “Dealing with Debt.”

Remember, do your homework. Everyone’s situation is different! What worked for me, your neighbor or a family member may not make sense to you.

About the Author: Michelle Petrowski, CFP®, CDFA®

Michelle Petrowski, CFP®, CDFA® (formerly Michelle Buonincontri), is a financial planner, wealth manager, financial divorce strategist, and personal finance coach. She is the founder of to be in abundance and Being aware in the event of a divorce, as well as an avid volunteer with Savvy Ladies in New York and Fresh Start Women’s Foundation in Phoenix, and worked closely with American Service members in Arizona. Michelle has been featured in CNBC, Forbes, MarketWatch, Investment News, Yahoo Finance and other media. You can email her at [email protected] or schedule a Q&A call with her here.

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Ranking of the best online poker variants

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Poker is unquestionably one of the most exciting games in the world, played by millions of people from every continent with a major presence both at land-based venues and in online casinos and card rooms. One of the best things about poker is that there are countless variations of the game, from classics like Seven Card Stud to novelty games like Casino Hold’em, which guarantees hours and hours of entertainment. .

The poker world has seen many changes over the past few decades, most notably with the emergence of online poker in the mid-1990s and early 2000s, which has now become a cultural phenomenon and a popular pastime in modern society. Ever since the poker boom of the mid-2000s when millions of players around the world started playing poker online, online versions of the game have earned their place among the most popular games in the world.

Last year, with land venues shutting down physical operations and people staying home to comply with social distancing measures due to the covid-19, the online poker market saw another boom as people had to resort to alternative entertainment options after spending so much time indoors. With renewed interest in the game, online poker and iGaming platforms have once again turned to the classic card game.

As more and more people around the world have started playing online poker again, the following variants have been some of the most popular poker variants over the past few months.

texas-holdem

Texas Hold’em is arguably the most popular poker variant in the world, and it couldn’t be any different online. The variant is by far the most common in online rooms and a major presence on nearly every poker platform available today. Texas Hold’em is also featured in most poker tournaments and online events, including the World Series of Poker and the World Poker Tour.

The game mixes skill and luck in a very particular way. You wouldn’t be able to go one-on-one against Kevin Durant and compete, but in Texas Hold’em a beginner could go up against an experienced professional player and expect to win with a decent frequency.

With simple rules and simple mechanics, Texas Hold’em can be really easy once you know the basics. But the game is said to take five minutes to learn and a lifetime to master.

Online video poker

Combining the easy gameplay and general simplicity of slot games with the strategic thinking and ingenuity of poker, video poker is one of the all-time casino classics. Based on five-card poker, this game has been a staple of land-based casinos since the 1980s, and in recent years has also become a popular choice among online gamblers.

Video poker is by far one of the easiest and most enjoyable games you can play at an online casino, and its rules are essentially the same as those found at poker tables. any online card room.

The game has spawned countless variants and spin-off games throughout its many years of existence. They all share the same concept with the addition of special features, rules and gameplay elements which you can check out at bestcasino.co.uk.

Pot Limit Omaha

Although Texas Hold’em is the most popular poker game in the world and video poker is a fan favorite in both online and land-based casinos, Pot Limit Omaha is another particularly popular poker variant, especially in the United States and Europe. .

With this distinct variation, you have different rules that completely change how the game is played and the methods a player can use to win. If you’re looking for a fun and engaging alternative to Texas Hold’em, consider Pot Limit Omaha highly.

Pot Limit Omaha poker can be a refreshing change of pace for players who are tired of playing high intensity games like Texas Hold’em. There are some parallels between the two games, but there are also important differences that contribute to the dynamism of the game.

casino-poker

First introduced as a training method to teach novice players and even to hone their poker skills, Casino Poker has since become a staple game in land-based and online casinos. With simple gameplay and several exciting variations, Casino Poker can be a fun alternative for those trying to make time for all the competitive action.

Unlike traditional poker games, where you play against other players, Casino Poker is played against the dealer, and the goal is to beat them with the same hand rankings as most poker games.

Today, most online casinos offer a wide variety of Casino Poker games, but the most popular options are Casino Hold’em, Three-Card Poker and Caribbean Stud. All of these games share a number of similarities, such as ante bets and side bets, but each has its own rules and intricacies.

Combining Cryptocurrency and the Online Poker Industry with Black Poker Token

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The online poker market has grown exponentially, it is estimated that over the past year around 10 million people have joined the service, helping to move a billion dollar market with some leagues topping the price of $1 million. We also know that the only area where cryptocurrencies have not exploded is in the online poker industry. Cryptocurrencies can offer online poker players many advantages, such as security, speed, and transparency.

Therefore, CEO Sakuma created the black poker token which is a crypto asset that will be used on the blackpoker.pro Platform. the blackpoker.pro The platform seeks to increase interactivity between cryptocurrencies and online poker. With open-source instant transactions, it will provide the security that only a blockchain can offer poker players. In addition, being in a decentralized network, the platform will also be able to reach users from countries where the sport is prohibited, giving more freedom to these players and being the differential of conventional platforms. The Black Poker Room will be the first to combine cryptocurrency and the online poker industry in a professional way. Cryptocurrency offers huge exponential growth for poker players, both short and long term. The inclusion of cryptocurrency and blockchain in the online poker industry negates the rake effect, which increases the profits of any poker player tenfold.

Just a few days after its release, the Black Poker token has already been listed on Coingecko and CoinMarketCap, they are still negotiating entry into a major exchange. The token’s success has caught the attention of well-known personalities including a UFC champion who is following the project closely and will announce the partnership soon as CEO Sakuma said when asked about his personality, the CEO prefers to keep the secret so that the process can materialize.

Today, the revolutionary platform is in the final stages of development and undergoing security and usability testing. It is believed that the project will follow in terms of market value both the rise of online poker platforms and the success of blockchain projects.

https://t.me/blackpokerglobal

www.blackpokerpro.com

www.blackpoker.pro

Disclaimer: This is a paid publication and should not be considered news or advice.

Tally app review: Paying off credit card debt

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Getting out of credit card debt can take a long time. Tally is one way to potentially speed up the process.

Tally consolidates your credit cards into one low-interest line of credit so you only have to make one payment, saving on interest and fees. The company has been around since 2015 and has received high praise from customers who have used it to manage their credit card debt. Tally has a rating of 4.3 out of 5 – excellent – based on more than 550 reviews on Trustpilotwith a rating of 4.5 out of 5 from 17,000 reviews on the Apple App Store.

Tally has a few different features, but they all add up to the company’s main promise: to save people money and get them out of debt faster. The company estimates it can save the average member $4,185 over five years.

How does Tally work?

When you sign up for Tally, the company reviews your credit history to determine if you qualify for a line of credit. If you’re approved, you’ll get a fixed line of credit that will automatically pay off your credit cards. Then, rather than paying off those cards every month, you pay off Tally – ideally at a lower rate than your cards. For example, rather than paying 20.99%, 18.49% and 17.99% on three different credit cards, Tally will analyze your credit to determine if they can offer you a deal with a lower interest rate for to save money. The APR you will pay with Tally is 7.90% to 29.99%.

Tally membership comes in three different packages:

  • Main Membership: This only applies to those who are not approved for a line of credit. In this situation, members can still access features that help them develop a plan to tackle their credit card debt.
  • Basic Membership: Basic Membership is an introductory option that offers a line of credit, and you can also consolidate all of your various card payments into one bill known as a Tally Pays. The app will automatically make your payments on time and calculate how to save interest charges by going after the card with the highest APR. There’s also a handy late fee protection tool. If you haven’t made your payment a few days before it’s due, Tally makes sure to take care of it.
  • Count+: Tally+ costs $300 per year and includes two key components that make it more attractive than the base option. You get a bigger line of credit, which can make a difference if you’re trying to tackle oversized debt. Tally+ members can also get an APR discount. After making 12 consecutive minimum payments, the company claims that the average APR is lowered by 4 percentage points.

Who is Tally suitable for?

Tally is especially good for anyone who has significant credit card debt but still has a relatively good credit score. In most of the cases, you will need a minimum credit of 660 Goal to qualify for a larger line of credit and higher APR discounts. There are a few exceptions, however, and the company can sometimes find opportunities to help those with credit scores as low as 580.

It’s also a great choice if you’re struggling to meet the due dates of multiple credit cards. Even the free membership with no line of credit offers valuable features to help you develop a bill repayment strategy.

The best way to see if Tally might suit your finances is to use the debt repayment calculator on the company’s website. By sharing a few pieces of information — your credit score range, your existing balances and APR, and your most recent payment — you can get a realistic idea of ​​how much the company might be able to help you save. You do not need to share your personal details to use the calculator. If you decide to sign up for the service, the company automatically performs a soft credit check, so you won’t have to worry about hurting your credit score.

Tally Terms and Fees

Tally does not charge any fees such as setup fees, balance transfer fees, over limit fees or late fees. You’ll pay interest on your line of credit, and the variable APR varies based on your credit and can go up or down depending on market conditions. If you choose the Tally+ subscription, you’ll pay $300 per year, but the fees come directly from your line of credit instead of your checking account.

If you pay the $300 for a Tally+ subscription, it automatically renews each year, or you can choose to upgrade to a basic subscription. Once you have paid off your Tally line of credit, you can close your account.

Advantages and disadvantages of the Tally app

As with any financial decision, you will need to carefully consider the pros and cons of joining Tally and accessing a line of credit. Be sure to weigh these pros and cons while doing the math to determine if Tally is right for you.

Advantages

  • No setup fees, late fees or balance transfer fees
  • Potential to get out of debt up to twice as fast and save thousands of dollars in interest
  • Automated payments to avoid late fees from your credit card issuers
  • Consolidates all your bills into one monthly payment to eliminate confusion
  • Transparent approach to estimate potential savings

The inconvenients

  • Not available everywhere – if you live in Maine, Montana, Nevada, Vermont, West Virginia or Wyoming you will not be able to get a line of credit
  • A minimum credit score of 660 is required for larger lines of credit, although the company also works with scores as low as 580
  • $300 annual fee to access a bigger line of credit and bigger discounts with Tally+
  • Not designed to help you avoid more debt in the future; you’ll need another budgeting tool to help you set up safeguards to avoid falling back into the debt trap

How Tally Compares to Personal Loans and Balance Transfer Credit Cards

If you’re considering using Tally, you’re probably also considering applying for a personal loan or taking advantage of a balance transfer offer. Here’s a look at how Tally compares to these other two options.

Tally vs a personal loan: The best personal loans have APRs that start below 7.9% Tally, so it could be a cheaper option for paying off all your credit cards. However, there are a few reasons why Tally can beat a personal loan. First, there are no origination fees for Tally’s line of credit. Some personal loans come with origination fees of between 3 and 6% of the loan amount. Second, Tally’s line of credit is specifically for credit card balances, nothing else. With personal loans, it can be tempting to use some of that money for other expenses. Some of the best personal loans also have higher minimum credit score requirements than Tally.

Tally vs. a balance transfer offer: Determining whether Tally is a better option than transferring your balance to another credit card with a competitive 0% APR introductory offer relies on calculating certain numbers for your personal situation. Let’s say you have $10,000 in credit card debt and a balance transfer offer comes with a 3% fee. In this case, your fee is $300 – the same figure as the annual fee for joining Tally+. If the credit card charges 0% APR for the first 12 months and you have a dedicated strategy to pay it off within that time frame, it is better to use the credit card. Some balance transfer offers have even longer introductory periods (up to 21 months), giving you more time to pay off your debt without additional interest charges.

The bottom line

In a world full of quick debt deals, Tally shines as a transparent option with no hidden fees and a friendly approach that aims to help those struggling with credit cards.

Depending on how much credit card debt you have, Tally could be an inexpensive solution to help you save money and clear those balances faster. Be sure to consider all your options though. A personal loan or balance transfer offer might make more sense for your personal needs. Either way, once you’ve gotten rid of your existing credit card debt, educate yourself on the best way to budget to avoid falling back into the overspending routine.

Cheap Stakes Tournament Series Coming to BetMGM Poker Online

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Cheap Stakes Tournament Series Coming to BetMGM Poker Online

Famous American online poker room BetMGM Poker, who made a name for themselves by wrapping the calendar with a ambitious online tournament series series, announced another interesting new online festival that focuses on low buy-ins but big guarantees.

This time, the operator launches Cheap Stakes Tournament Series across the entire network, which includes BetMGM NJ, BetMGM Michigan and BetMGM PA as well as other brands collectively known as partypoker american network.

The Cheap Stakes tournament series follows a successful End Boss tournament series that catered to higher stakes players. It featured partypoker brand ambassador Darren Elias as the face of the series.

Unlike End Boss, this new Cheap Stakes series focus on more casual and low stakes players, while offering plenty of opportunities to win lucrative prizes.

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“Cheap Stakes offers low-stakes players a chance to win big prizes following on from last month’s End Boss series, where we ran higher-stakes events across the board,” said BetMGM poker director Luke Staudenmaier in a company press release. . “We’re excited to be rolling this out for the first time in all of our live markets.”

The series will launch on Friday, December 17, and will run until Sunday, December 26. Each day of the series, two events will be played, one starting at 6:30 p.m. and the other at 8:00 p.m. the events will alternate between $20 and $50 buy-in, with several formats and types of games included in the program.

BetMGM Cheap Stakes Tournament Series: Highlights and Full Schedule

The Cheap Stakes tournament series will feature a total coverage of just over $100,000 in each state on a total of 20 events. Compared to other recently hosted American Partypoker series, this might seem like a significant decrease, but it’s important to keep in mind that the series is focused on low-stakes and recreational players, with a medium buy-in only $35.

The tournament calendar is always filled with fun events, and while the guarantees aren’t quite as impressive, the buy-ins are accessible to almost any bankroll.

Here is the full schedule for the upcoming Cheap Stakes tournament series:

Dated Tournament Membership Guarantee
17/12/2021 CHEAP CHALLENGES #1 $10,000 GDT NLH D $50 $10,000
17/12/2021 CHEAP CHALLENGES #2 $2.5,000 GDT NLH TURBO PKO PREMIUM D $20 $2,500
18/12/2021 CHEAP CHALLENGES #3 $2.5,000 GDT NLH D $20 $2,500
18/12/2021 CHEAP CHALLENGES #4 $5,000 GDT NLH TURBO PKO PREMIUM D $50 $5,000
19/12/2021 CHEAP CHALLENGES #5 $10,000 GDT NLH PKO PREMIUM D $50 $10,000
19/12/2021 CHEAP CHALLENGES #6 $2.5,000 GDT NLH FREEZING $20 $2,500
20/12/2021 CHEAP CHALLENGES #7 $2.5,000 GDT NLH PKO PREMIUM D $20 $2,500
20/12/2021 CHEAP CHALLENGES #8 $5,000 GDT NLH HYPER D $50 $5,000
21/12/2021 CHEAP CHALLENGES #9 $5,000 GDT NLH D $50 $5,000
21/12/2021 CHEAP CHALLENGES #10 $5,000 GDT NLH TURBO PKO PREMIUM D $20 $5,000
22/12/2021 CHEAP CHALLENGES #11 $2,000 GDT NLH D $20 $2,000
22/12/2021 CHEAP CHALLENGES #12 $5,000 GDT NLH TURBO PKO PREMIUM D $50 $5,000
23/12/2022 CHEAP CHALLENGES #13 $7.5,000 GDT PKO PREMIUM D $50 $7,500
23/12/2022 CHEAP CHALLENGES #14 $2.5,000 GDT NLH HYPER FREEZING $20 $2,500
24/12/2022 CHEAP CHALLENGES #15 $2,000 GDT NLH PKO PREMIUM D $20 $2,000
24/12/2022 CHEAP CHALLENGES #16 $4,000 GDT NLH TURBO D $50 $4,000
25/12/2022 CHEAP CHALLENGES #17 $2.5,000 GDT NLH PKO D $20 $2,500
25/12/2022 CHEAP CHALLENGES #18 $4,000 GDT NLH TURBO D $50 $4,000
26/12/2022 CHEAP CHALLENGES #19 $20,000 GDT NLH PKO PREMIUM D $50 $20,000
26/12/2022 CHEAP CHALLENGES #20 $3,000 GDT NLH TURBO D $20 $3,000

Affordable buy-ins and a packed schedule that includes two full weekends should allow everyone poker players from NJ, MI and PA to try out the Cheap Stakes Series and try your hand at tournament poker without breaking the bank.

Microgaming’s Mega Moolah Goddess Awards earn memorable victory fit for ancient Egyptian deities E! News UK

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Playtech, the global leader in gambling technology, announces the launch of a new dedicated live casino studio in Zurich, Switzerland.

The new Live Casino studio was built on the existing site of Swiss Casinos in Zurich and is the first of its kind in Switzerland and the second of its kind in Europe. Swiss Casinos, which operates four of the largest land-based casinos in Switzerland, first partnered with Playtech in 2019 to launch Playtech’s live casino and casino offering in the Swiss market, followed by the launch of the Playtech network. iPoker in 2020. This next step in the This partnership builds on Playtech’s superior B2B growth strategy in the newly regulated markets.

The Live Casino studio was built in close collaboration with several teams and strengthens the close partnership between the two companies. As a result, the state-of-the-art studio offers Swiss players direct access to Playtech Live tables through the casino’s website and includes live roulette, as well as classic 7-seat blackjack and the evolving Blackjack version of All. Bets. All tables are hosted by professionally trained native dealers, ensuring Swiss casino players the best possible experience.

“We are delighted to unveil our new Live Casino studio built in close collaboration with the Playtech Live team. The Live Dealer offering that we can provide to our clients is unmatched and the unique new studio in Switzerland has been built to an incredibly high standard. Working so closely with the dedicated and knowledgeable Playtech Live team has also been a great experience. We look forward to further developing this partnership as we continue to develop our product and content offering in Switzerland, ”said Patrick Mastai, Online Director of Swiss Casinos.

“The new Playtech Live studio in Zurich is a true testament to the close partnership that Playtech has established with Swiss casinos. Thanks to the close collaboration of both teams, we were able to deliver a cutting edge online experience that reflects the feeling of playing at one of Swiss Casinos’ leading land-based casinos. From training the team of dedicated dealers to work as Live Hosts, to tailoring the studio itself, this live experience is one of a kind. Playtech Live is leading the way in creating an entertainment-driven experience that offers both a gaming and presentation perspective. We are confident that Swiss casino customers will have an exceptional gaming experience, ”said Margarita Terlanova, Senior Customer Relations Manager at Playtech Live.


The UK online bingo market and how technology could change the online bingo experience

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Online bingo is immensely popular in the UK, players not only flock to traditional bingo halls but also happily log into online bingo accounts and enjoy games in cyberspace.

A range of bingo sites are happy to compel online fans of the game and make bingo available around the clock.

The state of the UK online bingo market as a whole

According to statistics published in May 2021 by the UK Gambling Commission, the total gross gambling return (GGY) for the gambling industry between April and September 2020 was £5.9 billion. The remote gaming sector, to which online bingo belongs, contributed a large share of these revenues, swelling the coffers by £3.1billion. Of that number, online bingo sent 98.1 million.

It’s easy to see why online bingo has taken off in the UK:

Convenience: This is, ultimately, one of the main reasons why online bingo is so popular. Players don’t have to leave their homes to play if they don’t want to. They can enjoy a game from the comfort of their own home at sites such as 888ladies bingo, which are accessible on a range of technological devices such as mobiles and PCs.

Play on the go: Bingo players are less likely to frequent bingo halls and wait for every word from the caller. Today, they can play on the go by connecting to an app on their mobile phone or tablet.

The rapidity: Online bingo is faster than traditional bingo because the game is automatic. Players do not have to mark the number with a stamp. When playing online, a player also doesn’t have to struggle to hear the numbers. Numbers are saved automatically to help the player follow the game.

Chat rooms: While playing bingo in traditional halls can get pretty serious, online bingo puts fun into the game while keeping the social aspect. Operators offer chat rooms for players to interact while playing. It’s a great way for online bingo fans to make new friends.

Security: The fact that bingo is played online makes it safe. Players don’t have to leave a bingo hall with a lot of cash. They can simply transfer the winnings to a bank account.

Playing bingo online has a range of benefits for players, including convenience.

Around 2022

As 2021 begins to enter its final month, the question is, can the success of online bingo in 2021 continue into 2022? The answer: most likely.

The market has enormous growth potential. New online bingo providers are joining the market all the time which is a win for players as they get more choices. For existing providers, this is of course less good news, as it makes the market more competitive and forces them to up their game to attract and retain players.

Meanwhile, technology is getting more innovative and the world sees these improvements all the time. For example, some phones have multiple screens. Some people, but not all, find multiple screens useful for gaming.

The materialization of 5G

5G is a major innovation that will create new opportunities and eventually take over from 4G. People will be able to enjoy faster online bingo games in more places. More reliable wireless internet connections will help bring new fans into the game.

Not only that, but 5G will change the design of online bingo for the better. Game designers and makers will be able to come up with new innovations that capitalize on the introduction of 5G and improve the gaming experience for gamers.

Games will be able to run smoother and load faster, especially running faster on mobile devices. Operators will be able to open even more lobbies for players. The quality of the visuals will also improve, bringing them almost on par with console game visuals.

Following the introduction of 5G, the industry could see carriers build more apps for gamers to download sites and also increase their ability to handle the heavier traffic that 5G is likely to create.

5G technology could improve online bingo with faster load times.

Virtual reality

Virtual reality has made its way into mainstream gaming and is expected to enter the world of online bingo soon, if not already. Some online casino operators have already started exploring the possibilities offered by VR technology.

VR will make games more real as gaming will be a much more immersive experience and will improve the way gamers interact with games.

However, not only will players’ interaction with the game improve, but also with each other. Players around the world will be able to communicate with each other as if they were sitting next to each other. In a game like bingo, which is renowned for its social element, this is an important aspect.

A bigger bridge between house bingo and online bingo

This is something the industry has already seen in the form of social chat rooms and the ability to chat live with friends. Even so, there is still a long way to go to improve the live community gaming experience. Technology is likely to play a major role in this regard. Social media may also be able to help bridge the gap.

Online bingo is booming in the UK and is expected to grow even more as new operators enter the market and technology continues to innovate. This is all a win for players, who will have even more choices as operators fight for their business.

5 Proven Online Bingo Strategies For Beginners

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Source: gamingzion.com

Bingo is one of the oldest casino games and also one of the most popular. Since the game depends entirely on your luck, there is a different thrill and pleasure to playing bingo that no other casino game offers. Due to pandemic restrictions and out of sheer convenience, many have started playing bingo online from the safety of their homes on their smartphones or computers.

According to smartbingoguide.com, which is one of the best websites for learning and trying out different bingo strategies, there are several strategies you can use that have proven effective for beginners. These strategies do not increase your chances by unnatural means, but greatly improve your chances of winning rewards.

As a beginner, you may not know many of these strategies and if you continue to play without learning them, it can inadvertently hamper your reward earning potential as well as your gameplay. If you too are a beginner looking to learn effective and proven online bingo strategies that you can use in your next bingo games, worry no more as we will provide you with some useful information.

Source: amazon.com

We have specially written this guide for all bingo players with several strategies and tips you can use to enhance your bingo playing experience. We recommend going through each of these strategies in detail.

1. Choose to play when fewer players are online.

In general casino logic, it is considered a good idea to play online casino games when other players are online and also playing the same game. However, with bingo, this same logic is completely reversed. due to the sheer nature of how the game works. While you can definitely play with more players when they’re forced to be online more, it’s simply a better idea to play bingo when you know most other players would be offline.

This is because the fewer players playing the game, the more likely you are to earn the reward all to yourself. We strongly recommend that you play at irregular times when most players wouldn’t bother playing, such as on a Monday afternoon, for example, when most people would be busy at work. If you play at international online bingo casinos, track website traffic for a few days and use it when you know player numbers will be minimal.

2. Try to buy as many bingo cards as possible.

Bingo is all about luck and luck and the only way to directly improve them is to buy as many cards as possible. Getting a single bingo card and hoping your luck will shine is a very bad way to play bingo. Instead, get multiple cards at once and go through them all one by one to increase your chances of getting the reward and improve your overall luck.

Source: glopera.cz

Once you have an adequate amount of bingo cards with you, you simply multiply your chances of getting a tangible reward for your money and effort. If you’re unlucky with one card, chances are you’ll be lucky with another, which is why buying extra bingo cards with you is almost always a smart move.

3. Understand the prizes of a bingo game before joining.

Different bingo games have different rewards and prizes depending on the casino they are in and the popularity of the game. It is essential that you understand these prizes before joining the game and ensure that they are worth your while. money you spend on cards. Researching these prizes also gives you the opportunity to discover any additional bonuses or offers that the casino might offer its players.

These bonuses can keep you playing the game longer and also help you get more cards to try your luck. Ultimately, this benefits you in several distinct ways, which is why understanding the prizes and bonuses of a casino and its bingo game is extremely necessary.

4. Communicate with other players.

Source: betandbeat.com

While talking with other players is frowned upon and even prohibited in most casino games, it is perfectly legal to do so in bingo. In fact, we strongly encourage you to talk and interact with other players while playing bingo online via the casino’s messaging or chat system. This not only allows you to meet new people who have the same casino interests as you, but also allows you to gain personal insight into the best bingo strategies once you get closer to them.

Additionally, the bingo games chat system also offers various rewards and prizes that the casino publishes from time to time. These rewards can greatly boost your efforts to get the main reward you are playing bingo for. Talking with other players is also a good way to pass the time while waiting for your bingo numbers to be announced. Who knows, you might even make a friend this way!

5. Use professional strategies.

Source: .playbingoaustralia.com

Although there are countless bingo strategies used by professionals, there are two that are considered extremely important for every bingo player to know. These two professional strategies are the Granville strategy and the Tippet strategy.

Granville’s bingo strategy is extremely simple and focuses on analyzing numbers to produce real results. All you need to do in this strategy is to have an equal amount of even and odd numbers, an equal amount of high and low numbers, and an equal amount of numbers that end in a number from 1 to 9.

On the other hand, the Tippet strategy is even simpler than its Granville counterpart. The whole strategy is to get cards with numbers close to 1 and 75 if you play shorter bingo games and get cards with numbers close to 38 if you play longer bingo games .

Conclusion.

There are various proven online bingo strategies that beginners can use to master the game in no time. Our motivation was to be able to help you do just that and we hope we managed to do that with this detailed guide.

Parimatch acquires Ukrainian online poker room PokerMatch and mr.fish

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Parimatch technology announced on Monday that he has entered into merger and acquisition agreements with a performance marketing holding company, mr.fish, and Ukraine’s largest online poker room, PokerMatch.

These agreements should provide mutually beneficial opportunities for all parties, allowing Parimatch Tech to further expand its entertainment and marketing product portfolio and provide mr.fish and PokerMatch with new prospects for global expansion.

PokerMatch is one of the largest iGaming companies encompassing poker, casino and board games. The acquisition of this brand will improve the entertainment proposition to end customers and add an asset to Parimatch Tech’s product portfolio. The brand is a partner of Ukrainian Sports Poker Federation and the title sponsor of the Ukrainian national sports poker team.

Mr.fish will further strengthen Parmatch Tech’s MarTech expertise, as the holding company focuses on a wide range of digital services including affiliate marketing, SEO, media buying, retention, reactivation, PR strategy, creation, design and influencer marketing.

Mr.fish is home to several business units, such as:

  • Digital channel, an international marketing agency dedicated to iGaming, gambling and sports betting

  • Vadideo, an international CPM advertising network

  • Daddy karlo, an international network of CPAs, expert in affiliate marketing

  • Global, an international marketing agency that provides handcrafted SEO solutions

  • Copier, an independent writing site

In an official press release, Maksym Liashko, co-CEO of Parimatch Tech, spoke about these new offerings and said: “Parimatch Tech is delighted to join forces with PokerMatch and mr.fish to help us achieve our big goal of exploring and expanding the entertainment possibilities our users experience. by interacting with the Parimatch brand. We are certain that the synergy of our expertise will lead to the strengthening of the brands of all stakeholders. Our business philosophy and approaches are quite similar, and we are delighted to join forces with mr.fish and PokerMatch to further develop and expand our entertainment ecosystem ”.

Ruslan Bangert, CEO of PokerMatch, commented: “It’s an exciting day for all of us! Our companies share the same values ​​and aspirations for global development. I am convinced that the merger will go smoothly and we will soon start working on our international plans ”.

Yuri Titkov, CEO of mr.fish added: “mr.fish started in one country and brought together two local businesses. In the past two years, we have expanded to 10 international companies operating in 12 countries and doubled the number of employees – from 120 to 250. Our cooperation on marketing projects with Parimatch Tech has been going on for many years. The merger has become a logical step intended to strengthen our positions in current markets and to conquer new ones. We intend to create a symbiosis between marketing, technology and product, and I have unwavering confidence in my team and the new opportunities that are opening up to us ”.


Microgaming closes 2021 with Gaming Classics in December

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Microgaming ends the year with a sleigh filled with holiday goodies for gamers. Microgaming’s aggregation partners are giving away a bag full of slot machine goodies for players this holiday season, including Space Invaders, Fonsi Nieto, Pirate Pays MegawaysTM, Christmas in Papertown, and Snow Scratcher.

Snowborn Games heads to the Highlands to join 4 cat clans as they fight for supremacy in the haunting purr-emium slot machine Cat Clans â„¢ (December 9). This cat-friendly twenty payline slot invites users to join the Mac Cattus clan in their goal of bringing home wealth by combining an excellent wild multiplier in Cat-A-Pult free spins with sticky jokers and nearly 20,000 times the prices. During the Clan Battle Extra, 4 stubborn moggies fight for the best honor of the Cat Clan by winning the coveted Golden Paws.

Amazing Link â„¢ Riches (December 7) from SpinPlay Gameplay features free spins, a selected item, various cash rewards and the famous Incredible Link â„¢ to find the pot of gold.

The Amazing Link â„¢ mechanism, which is loaded with gold coins and gems, is activated by tapping 6 or more Awesome icons in the shape of the 4 leaf lucky clover. During the feature, players can hit additional Awesome icons to increase their winnings and then they can win the colossal jackpot if they cover all fifteen slots for more than 5,000 times their stake.

Enchantress of the Arctic (December 14) by Neon Valley Studios adds a thrill to the atmosphere this December, with the frosty Link & Win â„¢ mechanic, bonus rounds, wild portrait icons, and 243 chances to score. This winter tale has a plethora of fascinating features such as jokers and the new Column Boost feature, in which any remaining spins on a reel filled with orbs throughout Link & Win â„¢ will increase cash payouts on this section.

For the winners Full of gifts, Santa Claus delivers gifts before the holidays (December 1). This cozy Christmas themed slot machine embraces the holiday season with free spins, multiplier wilds and a maximum prize of 25,000x. Ra links is a game of discovery of mythological treasures (December 15). In Slingshot Studios’ magnificent slot machine, Egyptians encounter imaginative science fiction, recreating the era of the deities Sobek, Ra, Khnum, Sekhment and Anubis.

Prepare for something like an epic battle in Gong Gaming Technologies’ Shields of the Empire (December 6), which features Toppers loaded well above the reels that can trigger a dual reel, increasing wilds, extra wilds, and multipliers.

Mrs. Claus book (December 1), featuring the second half of Santa Claus, is another winter slot machine that brings the romance of the Polar region to players.

Rush for fortune (December 2) from Pulse 8 Studios, including the Rush symbol. A strong symbol is chosen at random and activates a respin when 3 or more land, and Lucky Draw, where 3 respins are given for huge earning possibilities, are available to players.

Crazy Tooth Studios’ Gold Hook â„¢ (December 8) includes the WiNCREASE â„¢ mechanism, the multiplication function and the arbitrarily activated Golden Hook â„¢ bonus.

Microgaming Aggregation Contributors have a bag full of Christmas-themed slot surprises for gamers, including all the cosmic classics Space Invaders (December 9) from Inspired, a full-blast version of MGA, Fonsi Nieto (December 6), Pirate Pays Megaways â„¢ Sword and Sword (December 13) from Big Time Gaming, Snow Scratcher (December 1) from Hacksaw Gaming and 2 seasonal releases with Gamevy’s Christmas in Papertown (December 14).


KSA shuts down FB group that promotes illegal online bingo

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Saudi Arabia, the Dutch regulator of online casinos and games, has deactivated a Facebook group that promoted illegal online bingo games.

KSA drops an ax on Dordtse Queens

“Dordtse Queens” promoted the activity through social media, with each of its eight directors advertising the games on their personal Facebook profiles.

The KSA has dubbed the ad hoc network “a spider’s web of illegal bingos” because of its interconnected nature.

In an even more alarming development, the regulator revealed that minors are also allowed to register.

However, the KSA quickly put an end to this behavior by reporting it to Facebook, which deleted six Dordtse Queens affiliate pages in one form or another.

“For some time now, the KSA has been warning Facebook when the network is used in an unauthorized manner,” the Dutch regulator noted. “It is illegal in the Netherlands to offer gambling without a license.”

He went on to reiterate his position on any party seeking to offer unlicensed gambling and issuing a warning, stating: “The KSA is monitoring to ensure that gambling participants do so safely and that the participation in illegal games of chance is prevented. . “Organizers of unauthorized lotteries and bingos face severe penalties.

About the regulator

Established in 2012, the Kansspelautoriteit (Netherlands Gambling Authority) is an independent regulator and supervisor of online and offline gambling in the Netherlands. . It regulates gambling and betting activities in the Netherlands, issues licenses and enforces the main gambling laws and regulations.


Co-Optimus – Community Blog – Best Microgaming Branded Deals

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Without a doubt one of the most experienced companies in the iGaming industry, Microgaming has been developing casino games since the 1990s, pushing the boundaries of innovation in an extremely competitive market. Operating out of the Isle of Man, the company is recognized for creating the world’s first true online casino software and also the first mobile casino software. Besides slots and casino games, Microgaming also offers sports betting solutions and other iGaming services.

The company was founded in 1994, at a time when the first online gaming companies were starting to appear. In partnership with CryptoLogic, Microgaming launched in the same year what is considered to be the world’s first real money online casino: InterCasino, Microgaming providing the software, while CryptoLogic introduced the platform through which payments and deposits were carried out. In 1998, Microgaming made history again with the launch of Cash Splash, the first game to feature a progressive jackpot – a percentage of each spin would be split into a common jackpot that could only be triggered by achieving a specific combination in wheel.

Microgaming would later become a founding member of eCommerce and Online Gaming Regulation and Insurance, or eCOGRA, which is widely regarded as the best organization in the online gaming industry to ensure fairness, best practices and legitimate financial transactions. In the 2000s, Microgaming would continue to push innovations in the industry, and by integrating HTML5 and streaming technologies, the company released the first mobile casino software and also began publishing live dealer games.

As one of the industry pioneers, Microgaming has released over 1,000 titles including popular slots like Mega Moolah, live dealer games like blackjack, roulette, and baccarat, and even exclusive game shows like Fortune Finder. The company also has the largest network of jackpots in the world, having paid out nearly $ 2 million. In recent years, Microgaming has started working on virtual reality-based casino games, even receiving the Digital Gaming Innovation of the Year at the Global Gaming Awards.

With such a vast catalog of games, Microgaming has released some great games over the years, but it is safe to say that their branded games are some of the most popular on the internet. The company has managed to release games licensed from some of the most renowned pop culture franchises including Game of Thrones and Jurassic Park, and the following titles are currently considered some of the best online slots in the world. But if you want to learn more about casinos and Microgaming games, check out slots.info for the game catalog, reviews, and even tutorials.

Hitman

A popular video game franchise created by Danish studio IO Interactive, Hitman is one of the most acclaimed video game franchises in the world, having sold over 15 million novels, two film adaptations and even a slot machine game. sub edited by Microgaming.

Hitman Slots is a 5-reel game, with 15 non-fixed paylines that give players 15 chances to win each spin, and also allows them to choose which lines to play. The game features several characters and images related to the video game franchise in the form of special bonuses and jokers.

Lara Croft: Temples and Tombs

Tomb Raider is a popular video game franchise created by Core Design and currently distributed by Square Enix. The game was one of the first brands to be licensed by Microgaming, which released the first Tomb Raider slot machine in 2005. So far, British archaeologist Lara Croft has featured in three of the company’s slots. .

The latest, Lara Croft: Temples and Tombs, offers an immersive narrative adventure, with all the action and thrill that Tomb Raider games can offer. This Slot Machine also features stunning graphics and amazing sound effects which resemble the latest titles released by Square Enix.

Game of Thrones: Power Stacks

As one of the most successful entertainment brands in the world, Game of Thrones, HBO’s genre-defining fantasy series, couldn’t be left out in the iGaming industry. So far, Microgaming has released two slots featuring characters created by George RR Martin.

Released in August 2021, Game of Thrones: Power Stacks is one of the more recent games on this list. With a 5-reel, 3-row layout, the game comes in 15 paylines and 243 ways, and features 4 grand story houses, as players can choose to play as Baratheon, Lannister Targaryen, or Stark.

jurassic park

Even if you don’t like movies, it’s hard to deny that Jurassic Park is one of the coolest franchises in pop culture. Currently ranked among the world’s most popular online slots, with many reviews praising its 3D graphics and realistic animations, Jurassic Park Slot is one of the latest releases from Microgaming.

The game features 243 ways to win on five reels, multiple multipliers and free spins rewards, and even a bonus mode called T-Rex Alert Mode, in which a Tyrannosaurus rex escapes from its enclosure and wreaks havoc on the screen, adding 35 jokers to the reels.


On Air Entertainment, powered by Microgaming, launched its first live dealer online casino game

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Microgaming Live dealer online casino provider On Air Entertainment has announced the launch of its first live table game. The provider from Riga, Latvia took its first steps with standard blackjack in an attempt to shake up the industry.

It took the new company less than a year before going online after announcing its intention to change the environment for live dealer online casinos in December 2020.

Where there were once only two or three live game providers, there are now dozens of studios offering region-specific games, from blackjack to fantan and Andar Bahar, with tables and croupiers. in native language for gamers almost anywhere in the world.

New environments and upcoming games

The studio’s premier blackjack environment is located in Latvian state-of-the-art On Air studios, with seven tables open only in English. The provider is set to launch a second environment 3 additional tables before the end of the month and another 10 tables by the end of the year, entering 2022 with around 20 live tables offering 24-hour action and 7 days a week.

The studio’s roadmap calls for deployment additional languages from December 14 and the start of a third studio environment with a totally different look and feel, featuring roulette in January.

Starting from scratch last December, the team of industry veterans behind On Air Entertainment now has 200 employees across four operations centers and their product has received regulatory approval for arthritis in Malta, on the Isle of Man and Latvia. achieve in the coming months.

Standard Blackjack Features

Describing the first offering, the company said the game is focused on players first with 24/7 streaming for any device and language filtered offer discussion with the players, personalized customer support and special features to speed up the game.

Treat now is a feature that allows players to reduce hands time by shortening the wagering phase and a “pre-decision” feature allows certain actions before the turn.

Game improvements include optional side bets for 21 + 3 and Perfect pairs with potential winnings of up to 100 times the player’s stake. Multi-seat additions and bet-behind features are reportedly in the works for an upcoming release.

On Air Entertainment CEO Andres Rengifo said: “We started out with ambitious plans to bring a brand new studio and premium live casino product to the table in less than a year, and we’ve managed to do it – an incredible achievement for our business. It is thanks to the dynamism, passion and unity that our talented team has shown that we have accomplished in just 11 months what took years for others!

Looking ahead to the new year, we will continue our momentum with the release of seven classic and unique titles throughout 2022. And with plans to establish a presence in several regulated markets, including the UK and Greece. at the beginning of 2022, there is no chance of slowing us down!

The current list of On Air Entertainment partners includes Gamingtec, Bet99, Betway, Coolbet, Gammix, Jackpot City, Royal Vegas, Spin Palace, Ruby Fortune and BetVictor.

Source:

Showtime for On Air Entertainment, On Air Entertainment News, November 25, 2021


LOTTOLAND LAUNCHES “THE VAULT”! World’s biggest online bingo jackpot at £ 5million – European gaming industry news

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Reading time: 3 minutes

When buying a new car, most often you want to take a test drive before making the final decision. Likewise, it’s understandable if you are hesitant to spend real money at a casino you’ve never used before. That’s why it’s always a good idea to try out casinos for free.

Another valid reason to do so is if you want to experience the thrill of the game without spending heaps of cash. In this article, we will tell you how to try out casinos for free and what are the best sites to do so.

How to test casinos for free

There are two ways to preview the casino experience without paying a single dime, and then decide if you want to play for real money.

You can browse an online casino’s game selection and try out different aspects of the site without signing up. Many casinos allow you to play a wide selection of slots or table games without creating an account and play the demo versions without making a real money bet. Plus, you can chat with support and see if they’re quick, polite, and if you’re enjoying your experience.

It’s simple and convenient because you don’t need to create an account. The main downside to this method, however, is that it doesn’t really give you the full casino user experience – many games don’t support demo play, and you can’t test out many user-only features.

This is why the best way to try out a casino is to use a no deposit bonus. When you sign up, these offers will give you either free funds to play casino games for free or free spins on the most popular slots – sometimes even both.

The biggest downside to this method is that not many casinos offer no deposit bonuses compared to those that require deposits. The best way to find a no deposit bonus offer is to use a site like Freespinsbonus24.

What is a no deposit bonus

Bonuses make it easier to play. While this statement is true for all types of bonuses, it is especially true for the no deposit bonus. While other types of bonuses more often than not require you to meet a certain deposit requirement in order to claim and use them, no deposit bonus, as the name suggests, can be used without any payment. Simply claim the offer and start playing!

That being said, just like most casino bonuses, no deposit bonuses have certain conditions, such as wagering requirements. This is why it is a good idea to read the T & Cs carefully before claiming the bonus.

By using a no deposit bonus, you can either get a fixed amount of cash bonus that you can spend on various casino games or a large number of free spins that allow you to try your hand at slots for free.

Free spins bonus

One of the most sought after risk free online casino bonuses is the free spins bonus. This bonus is primarily slots focused and will allow you to play some of the biggest slots titles for free. If you are worried about the effect the bonus will have on the quality of the game, relax, you have nothing to worry about. The game will treat your free spin in exactly the same way as a real money spin.

Perfect for new players who are still learning the ropes of slot games, the free spins will help you understand how the game works and try out its gameplay and features without any risk. It’s also a great way to try out some brand new slots that have just arrived. All in all, this bonus is a must have for all players who want to win real money by betting for free.

Where can I find no deposit bonuses?

The no deposit free spins bonus is the best way to test a casino, and Freespinsbonus24 is a great place to find all the best deals. It lists casinos that offer no deposit free spins or regular no deposit bonuses in a convenient location, with all the casino information you need. This site also has casino reviews, so you can learn everything you need to know before signing up.

Conclusion

If you want to try out an unfamiliar casino and see if you like it, there are two really great ways to do it. One is to play demo games without registering and the other is to claim a no deposit bonus.

It’s a great and lucrative way to try casinos for free and maybe get some winnings, but it’s hard to find a good no deposit offer. That’s why using a site that finds the best no deposit bonus deals for you is a great idea.


Microgaming CEO resigns after 17 years of service at the company

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Reading time: 4 minutes

Movies have Indiana Jones and video games have Nathan Drake, but what about the dashing adventurer of the iGaming world? There is only one clear example and it must be the debonair Rich wilde.

Almost ten years ago the world was introduced to Rich Wilde Slots through his first adventure Rich Wilde and the Aztec Idols. Of course, there had been adventure slots in the past, but Rich wilde arguably started the trend to create an explorer who was more than a nameless face.

It is through this that Rich wilde has become the coolest trendsetter in the world of slots. There may be many recognized adventurer locations, but they will never be on the same level as Rich wilde.

Popularize the Solo Adventurer Slot Machine

Prior to Rich wilde, the iGaming world had action-packed adventure slots but generic characters instead that had little personality or charm. That’s not to say these slots weren’t fun – but something was missing.

It’s there that Rich wilde changed everything and gave players a recognizable figure they could identify. This is the same for all mediums (like movies or books) – a familiar figure or icon will attract people better than something anonymous or unknown. Ultimately, players will see someone they trust and be guided to that character.

As soon as you see the Rich wilde logo or its brand profile, you know you are going to experience an exciting game that will keep you entertained. It’s not hard to see why other developers have followed Play’n GO’s lead in creating a memorable figure.

Inspire other franchises

Of our time, most online slots have a familiar character to mark the slit, but it’s a fair statement to say that Rich wildeThe success of has laid the foundation for this trend. While Rich wilde isn’t the very first franchise or familiar figure in the iGaming world – it’s certainly one of the most popular examples that has sparked the craze.

After the first Rich wilde insert, Gonzo’s quest came out almost a year later and became one of NetEnt’s mascots. In 2019, the two Jungle Jim and John hunter found life as online slots characters in adventure genres – but only John hunter managed to develop into a full-fledged series.

While the initial slit in the John hunter the series appeared to be similar to the original Rich wilde, the series quickly found its own identity and remains one of Pragmatic Play’s most popular titles. The series continues to thrive alongside Rich wilde, there is even a new location for John hunter in the form of John Hunter and the quest for Bermuda’s riches.

Without Rich wilde, popular online slots with notable personalities may not exist or may be drastically different.

Genres transcended

All slots within the Rich wilde franchise are naturally adventure slots – but there are many subcategories. The first two locations are standard adventure games taking Wilde on a journey to the Aztecs and India. For the third slot machine, the famous explorer goes to Egypt in the most popular game Rich Wilde and the Book of the Dead.

Following the mega-hit of the previous game, Play’n GO decided to take the series in a new direction with Rich Wilde and the Tome of Madness which was inspired by the spooky novels of HP Lovecraft. It didn’t stop there – like Rich wilde extended to Greek myths with Rich Wilde and Athena’s Shield.

That’s the beauty of Rich wilde and why the franchise is loved – because it’s unclear where the next adventure will take it.

Expanded universe

After Rich Wilde and Athena’s Shield, fans were introduced to the darling daughter of the infamous adventurer named Cat Wilde. His presence was welcomed with open arms – so much so that Play’n GO presents the new hero Cat Wilde in his first slot machine called Cat Wilde and the fate of the dead!

Following in her father’s footsteps, Cat returns to Egypt to find the treasure she missed. In his slot machine now, Cat Wilde in the Solar God Eclipse, Cat sets out to discover his father’s first adventure by returning to the Aztecs.

The Rich wilde the series is constantly developing and growing, making its own universe with the same characters and the same environments. It’s amazing that these characters belong to a completely expanded world that they come back to often, meaning all games are connected.

Few online slots have a strong connection to each other, but the Rich wilde the series is one of the few. This has led to other slot machine franchises, such as the Reactoonz series, which connects Reactoonz, Reactoonz 2, Dr Toonz and Gigantoonz through a shared universe and opens up the possibilities of future payments.

The future of Rich Wilde

It’s a fair conclusion that Rich wilde is a pioneer in the iGaming world and it definitely does it in style. The Rich wilde series was not an overnight success, but by the third title, Rich wilde was known in the world of slot machines. Being able to release nearly ten different titles within this series and having the hype continue is a true testament to the power of the Play’n GO slots.

Everyone’s Favorite Adventurer remains as cool and suave as ever due to the unpredictability of what’s to come. The future is limitless for this series with the potential for more family members or even the mysterious Mrs. Wilde.

Rich wilde and his entire franchise won’t be retiring anytime soon as Wilde is in the prime of his life. It would be fascinating to see a Rich wilde crossing with another Play’n GO series or another explorer such as Gonzo. The Rich wilde The series will be celebrating its tenth anniversary next year and it will be exciting to see where the franchise goes next.


Online poker revenues remain stable in October

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we online poker revenue is still strong and has growth potential among regulated states. The overall turnover recorded a slight decrease of October in some regulated states, but overall revenue figures remain high.

Overall, online gaming is also on the rise in regulated markets. For online poker, partypoker, PokerStars, and WSOP.com launch monthly promotions to attract players. Currently legalized states include:

  • New Jersey
  • Pennsylvania
  • Michigan
  • Nevada
  • Delaware

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New Jersey online poker continues to hold up

Garden State’s online poker operators represented $ 2.4 million again in October, according to the New Jersey Gaming Law Enforcement Division (NJDGE). These figures have been constant since August.

There are currently three online poker operators:

Partypoker held the top spot in the state for the second consecutive month after overtaking WSOP.com. The platform reported $ 933,471 in October, down slightly from the $ 1 million reported in September.

WSOP.com came in second with $ 874,997, about 9% increase from $ 804,887 in September. The site continues to run monthly promotions such as the popular WSOP Circuit Ring series.

WSOP.com remains the only operator offering cash shared with Nevada and 888poker in Delaware.

PokerStars took about a 5% month-to-month decline with income of $ 623,893.

On the brick and mortar side, three live poker rooms are currently open in Atlantic City, including:

  • Borgata (offers weekly tournaments)
  • Harrahs
  • Tropicana

NJ online games on the rise

October proved to be successful again for the Garden State. Online casino games in general represented $ 127 million, a 35.9% increase from $ 93.5 million a year ago.

The Borgata / BetMGM brand continues to grow and dominate the market. The operator remains in the lead for the eighth consecutive month.

BetMGM set a new record and took $ 38.8 million with Golden Nugget in second place with $ 34.4 million. Resorts continued their upward trend and came in third with $ 29.2 million.

The total gaming taxes for the month were $ 45.8 million. Gambling taxes represent 8% of the gross taxable income of casinos and 15% of gross Internet gaming revenue.

Pennsylvania online poker takes a slight hit

The Keystone State saw another small month-over-month decline in online poker in October. Pennsylvania reported $ 2.85 million in revenue, down from $ 2.9 million in September.

The Commonwealth continues to hold the Championship Belt for the nation’s largest regulated online poker state. Currently, there are three online poker options in Keystone State:

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

PokerStars remains the king of the AP with $ 1.85 million generated for October. WSOP.com saw a slight decline, bringing in $ 587,311 in the month.

BetMGM / Borgata Poker is making an effort to move up the rankings. In September, sales reached $ 411,178, up from $ 368,246 the previous month.

Both skins are part of partypoker US Network and run monthly Online series. This month starts on End of the Boss series, led by the brand ambassador Darren elias.

The partypoker US Network is adding endgame bonuses as well as big jackpots in November for NJ, MI and PA players.

Online games are globally on the rise with gross sales of $ 102.8 million in October. Keystone State continues to show impressive year-over-year growth.

As reported by the Pennsylvania Gaming Control Council, total gaming revenue for October was $ 425.9 million. This represents an increase of 33% compared to October 2020.

This total exceeded the record monthly turnover set in July of this year. Internet gambling taxes have been reached $ 43,302 in October.

Live PA Poker Rooms

Physical poker rooms in Pennsylvania now offer live poker. In addition, some tournaments have also started.

Here’s a look at the state’s live poker rooms that are now open:

  • Parx Casino
  • Mohegan Sun Pocono
  • Mount Airy Casino Complex
  • Rivers Casino Philadelphia
  • Rivers Casino Pittsburgh
  • Meadows Racecourse and Casino
  • Philadelphia Live Casino
  • Wind Creek Bethlehem
  • Pittsburgh Live Casino (Coming in 2022)

Michigan breaks new record

Records were meant to be broken. The Wolverine State, according to the Michigan Games Control Board (MGCB), product $ 109.7 million in combined income from online games.

This is an increase from the previous record of $ 102.4 million in August. Michigan combines poker and online gaming in the state revenue report. There are two online poker operators:

  • PokerStars
  • BetMGM (part of the American partypoker network)

BetMGM and FanDuel saw increases. BetMGM topped the state of gross online gaming revenue with $ 41.3 million. FanDuel had its best numbers in months with $ 17.6 million in September.

the Internet sports betting revenue reached $ 24.3 million with a record $ 463.3 million. Handle increased 30.8% from the previous month.

Online game operators delivered $ 20.8 million via tax revenue to the State including:

  • Internet gaming taxes and payments – $ 20.3 million
  • Internet sports betting taxes and payments – $ 552,907

Currently, six Michigan brick-and-mortar live poker rooms have reopened, including:

  • MGM Grand Detroit
  • Hotel Casino Motor City
  • Greektown Casino-Hotel
  • Odawa Petoskey Casino
  • Firekeepers Casino Hotel
  • Island Resort & Casino

Michigan casinos have big promotions to get players back to the tables.

Delaware poker bounces back

The first state saw a month-over-month online poker jump starting in September. In October, the state reported total online poker income of $ 30,644.

According to Delaware Lottery, iGaming in general reported that it was the second best month of the year in $ 930,093. Delaware reported 940 new player registrations in October.

888poker provides all software for the state’s poker sites. Currently, 888 operates three different skins in partnership with state racetrack casinos, including:

  • Delaware park
  • Dover Downs
  • Harrington Casino and Race Track

Each site experienced little growth month over month. Delaware Park continues to be the state’s top supplier and did so every month in 2021.

Delaware Park introduced $ 16,340 and is also the only live poker room open in the state. Casinos continue to experience labor shortages.

In an attempt to hire more staff in the tri-state area, casinos have posted job offers.


How Online Bingo Has Changed The Industry Over The Past 10 Years

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Although the origins of the phrase “time and the tide wait for no one” are unknown, the words still have a lot of resonance in the modern age.

Technological advancements have been a key driver of change over the past decades, helping to transform many aspects of daily life.

The gaming industry, which has now become a hugely lucrative market, is a sector that has been massively impacted by technology.

It doesn’t seem like that long ago that people were limited to visiting terrestrial locations if they wanted to play, but that is no longer the case.

A perfect example of this is bingo – a game with a history of almost 500 hundred years that has now grown into a global online phenomenon.

Internet is full of bingo sites, each of which offers players an immersive gaming experience that blows traditional bingo out of the water.

Read on as we take a closer look at how online bingo has changed the industry over the past 10 years and why people prefer to gamble in a digital environment.

The shift to online bingo

To understand why online bingo has become so popular in recent times, it is important to establish how the game first grew in importance.

Bingo dates back to a 16th century Italian lottery, but it wasn’t until the beginning of the last century that it entered the mainstream.

Restrictive gambling laws largely made bingo an underground pastime, but changes in gambling law during the 1960s resulted in a massive increase in gambling fortunes.

It became the primary entertainment business for millions of people across the UK, and the boom continued over the following decades.

However, changes in drinking habits, tax issues, and the smoking ban all played a big role in bingo’s demise around the turn of the century.

The creation of the internet ultimately proved to be a lifeline for bingo, although its impact only became fully apparent in the last decade.

New technology is transforming bingo

It’s fair to say that the early incarnations of online bingo sites were extremely basic, with software and connectivity restrictions limiting what operators could offer.

Most of the early sites had 90 and 75 ball variations of the game and featured rather unappealing graphics.

However, things have changed dramatically over the past 10 years, with supporting technology allowing bingo sites to deliver a truly immersive gaming experience.

Players now have a wide variety of bingo games to choose from, all of which can be played on a wide range of digital devices.

These include combinations of games such as Slingo, which cleverly merges the excitement of bingo with the thrill of slot machines to create a brilliant one.

The added convenience and the greater choice available on the internet is a big part of why millions of people prefer to play bingo online.

Improvements in the power of mobile technology continue to grow

One of the main factors in the growth of bingo in recent years has been the improvement in the capabilities of smartphones and Wi-Fi technology.

The best bingo brands have benefited greatly by investing significant resources into fully optimizing their sites to work on mobile devices.

Some operators have gone even further by developing stand-alone applications that make it even easier to play bingo when and where you want it.

The move to mobile has introduced bingo to a different demographic, helping operators significantly expand their customer databases.

This is unlikely to slow down in the coming years, with research showing people already use their smartphones for an average of around four hours a day.

Many new bingo companies have recognized the potential for further growth in this area by prioritizing mobile in the development of their sites.

Embrace the social side of bingo

Another key part of the evolution to online bingo over the past decade has been the incorporation of chat rooms alongside every game.

The social aspect of bingo was one of its main drivers during the 1900s, with people using it as the perfect backdrop for getting together with family and friends.

The use of instant messaging software has replicated this element online, allowing players to socialize with others in a digital environment.

The technology has also been used by operators to offer additional incentives alongside the main games, such as cash prizes or bonuses for winning under a certain number of numbers.

Bingo chat facilities have major benefits for older players, providing them with a fun way to stay in touch with the outside world.

For people who cannot visit traditional bingo sites, this can be an invaluable lifeline that offers positive mental health benefits.

The future of online bingo

As the progress made over the past 10 years underscores, the online bingo industry is likely to be very different when another decade has passed.

Virtual Reality (VR) Technology may just be the next big thing to impact the industry, with game operators and developers already making strides in this regard.

Virtual reality has been on the cusp of mainstream mainstreaming for years, but has been hampered by supporting hardware that fell short of expectations.

Many issues seem to have been resolved, with the new wave of VR headsets delivering a fantastic gaming experience.

There are already examples of VR bingo games on the market and it is unlikely that it will take too long before they become commonplace in the industry.

It’s unclear if this will be enough to keep bingo going for another 500 years, but the industry is certainly well positioned to be more successful in the future.

Photo credit: Pexels


Ways to get out of credit card debt

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According to a new study by Wallet Hub, Texas residents have accumulated the second highest amount of credit card debt behind California. Affordable Debt Consolidation is a Texas-based company that exclusively helps Texans using several debt relief program options. Some programs include finding the best credit card debt consolidation loans, interest rate reduction programs without the need for a new loan, and a program for negotiating deep credit card debt balance reductions. credit and personal loan. Negotiation programs may be able to resolve debt in as little as 24 to 48 months with program payments that are often less than half of minimum monthly payments. Affordable Debt Consolidation is state-licensed, 100% veteran-owned, highly rated by the Better Business Bureau, and their performance fees are typically 20-40% lower than out-of-state companies . You can speak to one of their Texas debt specialists and receive a free, no obligation consultation. Call 800-816-1003 or visit affordabledebtconsolidation.org.

Microgaming to sell its Quickfire distribution business to Games Global Limited

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Reading time: 3 minutes

As 2021 draws to a close, looking back over the past 12 months reveals a period of success for Kalamba Games, but also a period of great change. CEO and co-founder of Kalamba, Steve Cutler presents his highlights and what he expects for 2022.

It wasn’t too long ago that the Kalamba Games team celebrated its first anniversary, but since then, and as we approach our fifth anniversary in December, we have grown from a start-up to a trusted supplier of quality products to the video game industry. Although 2021 is still suffering from the effects of the global pandemic, it has seen one of the greatest years of growth for us.

Success like this doesn’t come easily, or without a solid product to build on and we were fortunate to have an amazing team in place that were able to produce just that. Our game lineup this year has been one of our strongest and most diverse ever – from the bizarre fairground of Ducks Till Dawn to the Spiritual Sequel to one of our best performing games of all time, Blazing. Bull 2 ​​- a game we signed up for the billionth spin ever on a Kalamba game!

It’s hard to pick the best from such a list, but the highlight was probably the eighth in our hit Joker series, Joker Times. Its classic Vegas-style reels with a twist have proven themselves to gamers, and it’s even updated for a festive release in December with Joker Times Xmas Edition.

The launch before that, however, was Age of Huracan, which had the honor of being our 50th game release. A lot has changed since the early days of our very first title, and we’ve come a long way in as a business, which is evident in this historic title.

It’s not the only half-century we’ve recorded, either, as our ever-growing team of tenacious innovators welcomed its 50th member. One of the great things about a company like ours is seeing how people come in and strengthen a group of hard-working colleagues who continue to support our ambitions for growth and the partners we love to work with every day.

Our expanding portfolio of games and tools has also made working with new clients in new jurisdictions and regions incredibly easier. Since the start of the year we have introduced our games to Italy, Spain, Greece, Colombia, Portugal, the Netherlands and Sweden and these markets are expected to be followed by a host of others to the approaching 2022.

Perhaps the crowning achievement of our recent commercial success is the award of our MGA license, which, in addition to local certifications in Sweden, Croatia, Portugal, Italy, Spain and the Netherlands; will allow us to go even further in regulated markets. It was also a busy year for awards, with many nominations and a short list, particularly being nominated for Innovator of the Year at the iGaming Idol Awards and taking home silver for Best Game Soundtrack at the SBC Awards.

Unfortunately it was another tough year for trade shows but we managed to attend a few with the second half of the year culminating in a really great SiGMA event which finally saw us catch up with so many in person. our past, present and now future partners.

One of the most significant changes we’ve made since our founding is to become a future-proof technology provider, as well as a premier games studio. The launch of our Bullseye brand, which integrates our proprietary Remote Game Server (RGS) and promotional tool product offerings, is an integral part of our plans.

These tools started rolling out in 2020, but this year has seen many improvements, and 2022 will see many more that will make Bullseye an even stronger proposition for operators. Its player engagement credentials include tournaments, leaderboards, metagames with standard progressive and mystery jackpots, as well as a new AI-powered predictive CRM platform, StarGazer, which should lead us into the game. new year with a renewed focus and will usher in a whole new path. for our growth roadmaps and those of our partners.

Bullseye, laser-focused on an expanding portfolio of games serving regulated markets, represents the next step in the core strategy and vision we established in 2016. Naturally, we look forward to further developing our library. games, but creating interconnected titles through meta-features and layers will ensure that we build a player-focused and market-leading slots experience, not only for 2022 but for many years to come. Forward and up!


Raffle, Washington, Crown, Playtech & Microgaming: the week in numbers

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Each week, CasinoBeats details the numbers behind some of the industry’s most interesting stories. In our last edition, we come back to the M&A action with Crown Playtech, Tombola and Microgaming; a Dutch regulatory investigation and termination of Wynn Resorts.

12.50

Blackstone Group rekindled its interest in ailing Australian casino operator Crown hotels, coming back with an offer of AU $ 12.50 per share that values ​​the company at 8.5 billion euros (AU $ 6.2 billion).

The offer followed a pair of earlier openings made by the U.S. investment management firm and its affiliates earlier in the year that valued the group at A $ 12.35 per share after an offer initial $ 11.85 was viewed as undervaluation and “not in the best interest” of shareholders.

The Crown said it “had not yet formed an opinion on the merits of the proposal,” adding that it would now assess the bid, in terms of value, conditions and other considerations. ; as well as involving relevant stakeholders, including regulators.

“Crown shareholders do not need to take any action on the proposal at this time. There is no certainty that the proposal will result in a transaction, ”the company said.

25

The Dutch regulator said it was closely examining the operations of 25 unlicensed and still unnamed gambling websites in an effort to ensure they do not engage consumers in the country.

The Kansspelautoriteit however warned that “if it is possible to participate in a game of chance on these Dutch websites, penalties will follow.”

In addition, he added that coercive measures could also be taken against “promoters of such games of chance”, the Ksa citing payment service providers and advertisers.

This came after the gaming authority detailed a new approach to illegal online operators earlier this year, which came into effect with the country’s long-awaited legalized online gaming market opening, which took place at midnight (Friday October 1).

3

Playtech confirmed to have received a preliminary approach from a third suitor looking to acquire the gaming tech company, with JKO play, led by former Formula 1 team owner Eddie Jordan and Keith O’Loughlin, ex-Scientific Games, evaluating a competing offer.

The consortium is working with US private equity firm Centerbridge Partners on the provision of institutional debt and structured capital finance, with press reports suggesting a £ 3 billion counter-offer may be in sight.

The company is said to be “seeking access to certain due diligence information in order to explore the conditions under which an offer for Playtech by JKO could be made”.

Playtech noted that “discussions with JKO are at an early stage and there is no certainty that JKO’s approach will result in a firm offer for Playtech, nor as to the terms on which a firm offer can be made.”

This follows a similar preliminary approach by Gopher Investments to the group earlier in the month, after Playtech previously confirmed that a £ 2.7 billion takeover bid had been received from the Australian game maker. Aristocrat Leisure.

402

Flutter Entertainment acquired Raffle adding the UK’s ‘most recreational’ online bingo operator to its brands.

As part of the acquisition, Flutter will pay £ 402million in cash upon completion of the transaction for 100% of the business. The transaction is conditional on merger review approval by the UK Competition and Markets Authority and is expected to close in the first quarter of 2022.

Flutter Entertainment believes that the addition of Tombola to its portfolio will provide several “key strategic advantages” such as product diversification.

The Operator Group stressed that Tombola will also create a more engaged and sustainable player base while improving Flutter’s safer gaming strategy.

640

Wynn Resorts and Austerlitz acquisition company disclosed the mutual agreement termination of a previously announced interactive business combination.

This ends the deal between the operator’s online gaming division and the newly incorporated blank check company, which was originally detailed in May 2021, with immediate effect.

It was previously specified that the combined company would retain “Wynn Interactive, Ltd. ”Name and re-lists its shares on the Nasdaq Stock Exchange under the new ticker symbol“ WBET ”.

The combination is expected to include around $ 640 million in Austerlitz cash proceeds to fund operations and support new and existing growth initiatives, with a company valued at around $ 3.2 billion at closing, representing 4.5 billion dollars. times the projected revenues of Wynn Interactive in 2023, to be created.

900

A “changing of the guard” was announced by Micro games, with John Coleman who will step down as CEO on December 31, 2021, with Andrew Clucas, current COO of the group, to take the reins.

In addition, the group has also accepted the sale of its Rapid fire distribution activity and portfolio of online games at World Games, a privately funded company that was formed in early 2021.

Billed as a “historic sale” by Microgaming, the deal will see Games Global acquire the international distribution rights for Microgaming’s exclusive game content, including progressive jackpot titles, as well as its extensive customer base of over 900 game brands. global.

The acquisitions, which are subject to obtaining certain regulatory approvals from Games Global, are expected to be finalized in the second quarter of 2022.

750,000

Lady Luck Games seems ready to acquire a London-based studio Revolver set because the company founded in Stockholm has signed an exclusive letter of intent.

Under the terms of the acquisition, agreed to by both parties, the purchase price will consist of a combination of cash, totaling € 750,000, and approximately 4.2 million newly issued shares of Lady Lucky Games through an offsetting issue carried out at a share price of SEK 3.00.

The total number of shares outstanding of the company to date is 44,905,472, with dilution due to the offsetting issue amounting to approximately 8.5 percent.

94

The research carried out by the Washington State University discovered that sports betting at tribal casinos in the region is set to grow into a $ 94 million industry over the next five years.

WSU, which presented its findings to the Washington State Gaming Commission this week, says its projection of $ 94 million reflects residents’ enthusiasm for professional and college sports and their interest in betting. It is also estimated that sports betting at tribal casinos will lead to around 273 direct jobs.

If online sports betting from remote locations became legal in Washington in the future, the industry would more than triple in size, generating around $ 322 million in annual revenue, according to the study.

About 59 percent of those polled described themselves as sports fans, and 5 percent said they bet on games at least once a month. Almost 14% said they were likely to participate in the emerging sports betting industry in Washington.


Microgaming announced the sale of its main online gaming assets

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The Isle of Man company said it has entered into a deal with 2021 startup Games Global Limited to sell its Quickfire aggregation network and other assets for an undisclosed amount. The total prize also includes the world’s largest progressive jackpot network and several additional game creation studios.

Games Global was formed in 2021 by former IGT CEO Walter Bugno and CFO Tim Mickley, formerly of Playtech and SafeCharge. No details of the sale have been provided beyond the scope of the assets concerned and the expected closing date of the second quarter of 2020. The buying firm is financed by private capital.

Pending regulatory approval, the transfer would take place in two parts known as the Microgaming Acquisition and the Studio Acquisition.

When completed, Games Global will become a market-leading provider of online game content with a portfolio of over 3,000 game titles, dozens of small game studios, the Quickfire aggregation platform and the network. progressive jackpot that paid more than 1.2 billion euros since its creation.

Instant access to massive markets

The purchase gives Games Global access to more than 260 current customers which almost work 1,000 game brands. The group will continue to employ more than 1,100 people in Europe, South Africa, North and South America and Oceania.

CEO Walter Bugn commented: “We are currently witnessing a very dynamic gaming market across the world, with many new regulated markets online. The creation of a new large-scale independent supply chain that will be Games Global has not been observed for many years. We are committed to delivering a world-class product and service offering that will ultimately improve the end-user gaming experience and help drive our customers’ businesses. We are extremely excited about the opportunities ahead and will work tirelessly to realize the important opportunities that lie before us.

While the press release mentions 25 studios, the company’s website references more than 50 studios in more than 25 different countries. Current Microgaming Studio partners listed on the website include Triple Edge, Stormcraft, Slingshot, Gameburger, All41, and Alchemy, but this list should not be considered exhaustive.

Microgaming will keep some turnkey download casinos

Legacy sites using original Microgaming Viper download client software would not be affected by the deal, according to a Microgaming announcement.

Before stepping down as CEO of Microgaming earlier this week, John Coleman said: “TThis is an exciting deal that has been in the works for some time and will provide further growth and opportunities for Microgaming and Games Global. We are announcing it now in order to provide sufficient advance notice and clarity to our partners and stakeholders. Games Global will acquire the intellectual property and game distribution business previously known as Quickfire, and Microgaming will continue to support its traditional core business, while increasing its reach with the addition of new businesses and managed services.

New activities and managed services should concern sports betting.

Sources:

Building a World-Class iGaming Content Company, Games Global, November 15, 2021

Disposal of the Quickfire distribution business and game portfolio, Microgaming, November 15, 2021


Flutter snaps up online bingo group Tombola in £402m deal

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The owner of Paddy Power and Betfair has agreed to buy UK bingo group Tombola for £402million.

Flutter Entertainment said it had “long admired” the online bingo company when it unveiled the all-cash deal.

Tombola founder Phil Cronin, who started the company 16 years ago, will leave the company after the acquisition, with him and his family expected to earn a fortune.

Based at sites in Sunderland and Gibraltar, Tombola has over 700 staff and around 400,000 average monthly users.

The deal is expected to be finalized in the first quarter of next year.

Peter Jackson, Managing Director of Flutter, said, “Tombola is a company that we have long admired for its product expertise, highly recreational customer base and focus on sustainable gaming.

“The brand closely aligns with Flutter’s safer gaming strategy, a key area for us.”

Tombola was the first major UK-focused operator to introduce both mandatory staking and deposit limits.

More than 80% of its income comes from the United Kingdom, including 16% from Italy and Spain.

Mr Jackson added: “As the time has come for Phil to pass the baton, I would like to thank him for building the success of the business today, and I look forward to welcoming the Tombola team. to Flutter and build a sustainable business. for the future together.

Flutter to acquire UK online bingo operator Tombola in $ 541 million deal, boosting under-indexed vertical

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Irish bookmaker Flutter Entertainment acquires an online bingo operator Raffle, the FanDuel and Betfair owner announced Thursday. Tombola is one of the main operators in the UK bingo market, and emphasizes the provision of low stake bingo offer.

Flutter buys games company for enterprise value of £ 402million (US $ 541.6million), with deal expected to close in Q1 2022, according to a press release. Tombola, whose teams are mainly located in Sunderland and Gibraltar, was the first major operator in the UK to introduce both mandatory staking and deposit limits.

Raffle was launched 16 years ago and currently has a revenue base with over 80% coming from UK and 16% from Italy and Spain. About 400,000 gamers use their products per month and the company currently employs over 700 people. Tombola founder Phil Cronin set to leave the company after the acquisition.

“Raffle is a company we have long admired for their product expertise, highly recreational customer base, and focus on sustainable gaming,” said Peter Jackson, Managing Director of Flutter, as soon as the announcement. “The brand aligns closely with Flutter’s safer play strategy, which is a key area for us. “

The CEO further stated that he is delighted to combine Flutter’s digital marketing expertise with Tombola’s operating capabilities within the UK and Ireland division. The acquisition will also allow the Rice power owner to diversify its products, as well as to extend the group’s position “in a vertical of products in which it has historically under-indexed”.

“Flutter is delighted to add Tombola to the group,” added Jackson. “As the time has come for Phil to hand over the reins, I want to thank him for building the success story that the company is today, and I look forward to welcoming the Tombola team. to Flutter and together to develop a sustainable business for the future. . “

The company cites among the strategic advantages of this agreement the possibility of adding “a base of committed and sustainable players”, with many clients who have remained active with the brand for several years. What’s more, this move will also strengthen Flutter’s presence in online gaming in its core UK market, at an attractive valuation.

Flutter also points out the addition of additional product capabilities and expertise to the group, and notes that Tombola’s business approach aligns with its safer play strategy..

In its fiscal year ended April 2021, Tombola generated pro forma revenue of £ 164million and EBITDA of £ 38.5million.. Under the terms of the deal, Flutter will pay £ 402million upon completion for 100% of the business. It is subject to merger review authorization by the UK Competition and Markets Authority.



Flutter acquires online bingo operator raffle for $ 543 million

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Flutter Entertainment is buying online bingo operator Tombola for £ 402million ($ 543million) in cash. [Image: Shutterstock.com]

Diversify your product line

Flutter Entertainment has entered into a deal to buy UK online bingo operator Tombola for around £ 402million ($ 543million). The gambling group announced the news of the acquisition on Thursday.

the agreement is expected to be finalized in the first quarter of 2020

This is an all-cash deal for 100% Raffle. The deal is expected to be finalized in the first quarter of 2020, pending approval from the UK Competition and Markets Authority.

Through this purchase, Flutter seeks to expand its recreational customer base by further diversifying its product line. Tombola has managed to retain its player base over the years.

An exciting partnership

Flutter Entertainment chief executive Peter Jackson spoke about the fun of reaching this case with “the UK’s premier bingo brand”. He expressed his admiration for Tombola’s product expertise, its focus on sustainable gaming and its highly recreational clientele. Jackson said: “I am delighted to combine Flutter’s digital marketing expertise with Tombola’s operational capabilities within the UK and Ireland division.

Flutter Entertainment has many major gambling brands under its umbrella, including Paddy Power, Betfair, FanDuel, and PokerStars.

Jackson also appreciates Raffle’s commitment to safer play. The bingo operator was the first company to introduce mandatory deposit and betting limits. Flutter has been in the news recently for the wrong reasons about safer play. Its Sky Betting & Gaming brand is under investigation by the UK Gambling Commission (UKGC) after its Sky Vegas offering sent marketing messages to self-excluded individuals and people who had unsubscribed from communications marketing.

A very successful bingo operator

Tombola has been active in the UK market for many years, with over 80% of the operator’s revenue coming from the UK. About 16% of its turnover comes from its operations in Spain and Italy. Its average monthly player base is around 400,000 and it employs over 700 people.

Raffle is the largest online bingo operator in the UK, Spain and Italy. The Sunderland-based company creates original bingo software and games through its in-house development team.

For the fiscal year ended April 2021, Tombola achieved revenue of £ 164million ($ 221million) and net profit of £ 9.4million ($ 12.7million). Tombola was one of the few operators to successfully obtain a gaming license in September in the Netherlands. It is now operational on this newly regulated market which opened for the first time on October 1.


Microgaming appoints Andrew Clucas as new CEO

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Playtech, the world leader in gambling technology, announces the launch of Who Wants To Be A Millionaire? Live Roulette following the signing of an exclusive five-year partnership with Sony Pictures Television (SPT) earlier this year.

Based on the hugely popular and award-winning Sony Pictures Television (SPT) format, which recently celebrated its 20th anniversary and has been adapted in more than 120 countries around the world, Who Wants To Be A Millionaire? Live Roulette was created in close partnership with the SPT team. This is the latest live gaming show launched from Playtech’s rapidly growing vertical product market, Live Casino. The first of three game launches, Who Wants to Be a Millionaire? Live Roulette brings together the popular Who Wants To Be A Millionaire? brand and a highly innovative gaming experience that delivers the next step in the Playtech Live Game Show experience.

The game includes many classics from Who Wants To Be A Millionaire? Legendary TV Show features like 50/50, Ask the Audience, and the new Ask the Host add-on feature, where the host can delete incorrect answers depending on the level of the question. All of the features have been adapted for the game but carry the spirit and logic of the TV show.

Who Wants to Be a Millionaire? Live Roulette also offers a unique engaging experience by allowing players who do not have an active in-game bet to play with it. Players can still enter the Millionaire Round by guessing the outcome and playing for fun.

Edo Haitin, CEO of Playtech Live, said: “Playtech Live is committed to providing the best entertainment experience possible. We love the opportunity we have to work with Who Wants To Be A Millionaire? brand and I’m sure gamers will enjoy the unique ‘Millionaire’ brand experience while playing this game. point everywhere. By working with partners like Sony Pictures Television, we are able to combine our exceptional technology, an exciting live game show experience, and a highly regarded global brand like Who Wants To Be A Millionaire? We’re on a fantastic journey at Playtech Live as we seek to continue to deliver the most engaging responsible gaming entertainment experience on the market. “

Stephan Zingg, Commercial Director, Interactive, Western Europe, Sony Pictures Television, said, “Playtech Live is the industry leader in creating the most innovative online gaming experiences and we are so excited to see Who Wants To Be A Millionaire? Live Roulette launched on the Playtech Live network. We look forward to continuing to work with the Playtech Live team on the next two exciting new games of Who Wants To Be A Millionaire? wallet.”


Microgaming to sell Quickfire to Games Global

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Microgaming has agreed to sell its Quickfire distribution business and online games portfolio to Games Global Limited.

The sale has been agreed in principle and is subject to Games Global obtaining certain regulatory approvals. It is expected to be completed in the second quarter of 2022.

Games Global will acquire the international distribution rights to Microgaming‘s exclusive gaming content and inherit its customer base of over 900 gaming brands. Microgaming will continue to provide certain customers with its gaming platform and will focus on developing its sports betting technology.

A privately-funded company, Games Global is led by CEO Walter Bugno, formerly of IGT and Lottomatica, and CFO Tim Mickley, formerly of SafeCharge and Playtech.

“This is an exciting agreement that has been in the works for some time and will provide new growth and opportunities for both Microgaming and Games Global,” said Microgaming CEO John Coleman. “We are announcing it now to provide sufficient notice and clarity to our partners and stakeholders.

“Games Global will acquire the games distribution and IP business previously known as Quickfire, and Microgaming will continue to support its traditional core business, while increasing its reach with the addition of new businesses and managed services.”

Microgaming also recently announced that Coleman will step down as CEO on December 31, 2021, to be replaced by current COO Andrew Clucas.

Microgaming helm change as CEO Coleman steps down

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Global provider of online gaming software Micro games announced today its CEO John Coleman would leave his managerial position at the end of the year and be replaced by the company’s COO, André Clucas.

Resignation as CEO

Micro games chief Executive Officer Coleman will withdraw new year’s eve as CEO of the games software provider, having spent nearly 17 years spent in management positions within the company. Having served as chief financial officer (CFO) for almost 14 years, in 2018, Coleman was promoted to CEO.

Honored to have “run” the company as CEO, Coleman said this was a “natural time” for him to embark on his next adventure, leaving “a strong leadership structure in place” and “a exciting future ahead “. Introducing his successor, Coleman highlighted his genius and leadership skills, while expressing his confidence that Clucas “will lead Microgaming to further success”.

During the years of his tenure as CEO, Coleman has helped Microgaming guide its strategy and vision, diversify its product line and strengthen its position as a trusted software provider in the global gaming market.

Coleman’s openness and empathy have helped him place employee well-being, safer gaming and corporate social responsibility at the center of his decisions and will continue to support Microgaming’s global efforts as he will retain a non-executive role within the company.

The successor

“John has been an outstanding leader and ambassador for the company for almost two decades, and I cannot commend him enough for his many accomplishments and contributions,” said the Chief Operating Officer of Microgaming. Clucas, adding that he is “delighted to give him the role” and holds the position of CEO of Microgaming.

Clucas is determined to lead the business with “the same passion and the same commitment”, as Coleman demonstrates. Clucas has joined Based on the Isle of Man Microgaming in 2009, after building a successful career in the Royal Navy Air Force. Clucas held several positions in operations, including business development and sales, before being promoted to COO in 2018.

In another announcement today, Microgaming said it will unload its Rapid fire distribution activity and portfolio at Limited World Games in a transaction expected to close in the second quarter of 2022. World Games is about to acquire 25 game studios and more 3000 titles, including the Microgaming progressive jackpot network and distribution.


John Coleman steps down as CEO of Microgaming, replaced by COO Andrew Clucas

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John Coleman will step down as CEO of Microgaming, to be replaced by current COO Andrew Clucas.

Coleman will step down on December 31, 2021. He was named CEO of the company in June 2018, after serving as chief financial officer for nearly 14 years.

He led the group’s strategy and vision, diversified its product offering and elevated its position in the global market, Microgaming noted.

“I am honored to have led Microgaming as CEO – such an incredible company and people,” Coleman said. “After 17 years with the company, it is a natural moment for me personally to embark on the next adventure.

“Microgaming has put in place a strong leadership structure and an exciting future, and I am delighted to announce Andrew Clucas as my successor. Andy is a brilliant colleague, friend and leader, and I am confident he will lead Microgaming to a new success.

Clucas joined the group in 2009 and led various operational areas of the business, before being named COO in January 2018.

Clucas commented, “John has been an outstanding leader and ambassador for the company for nearly two decades, and I cannot commend him enough for his many accomplishments and contributions.

“I am delighted to succeed him – to be named CEO of Microgaming is an incredible honor, and I intend to lead the company with the same passion and commitment.”

Microgaming Sells Quickfire to New Games Global Company | Casino & games

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Microgaming has announced that it will sell its Quickfire business to Games Global, a provider founded earlier this year, in a deal slated to close in the second quarter of 2022.

When the deal is finalized, Games Global will own the international distribution rights to Quickfire’s game portfolio and jackpot network.

Microgaming’s Quickfire business was one of the early aggregators of casino content.

Games Global was established in 2021, is backed by “private capital” and focuses on the development and distribution of content in internationally regulated markets.

The company is headed by Managing Director Walter Bugno, who was previously Executive Vice President of New Business and Strategy Initiatives at IGT and had also held senior positions at Lottomatica. Bugno announced his resignation from IGT in May this year.

Games Global has also confirmed agreements with limited companies to develop game studios internationally. These agreements are also expected to close in the second quarter of 2022.

Once all of these acquisitions are complete, Games Global’s portfolio will include games from 25 studios and the vendor will have a catalog of nearly 3,000 games, operating in Europe, North and South America, Oceania and Africa. from South.

“We are currently seeing a very dynamic gaming market across the world, with many new regulated online markets,” Bugno said.

“The creation of a new large-scale independent supply chain that will be Games Global has not been observed for many years. “

Bugno continued, “We are extremely excited about the opportunities ahead and we will work tirelessly to realize the important opportunities that lie before us. “

Following the acquisitions, Microgaming will focus on the development and licensing of its sports betting technology.

“This is an exciting deal that has been in the works for some time and will provide further growth and opportunities for Microgaming and Games Global,” said John Coleman, CEO of Microgaming, who announced his departure earlier in the day.

“We are making the announcement now to provide sufficient notice and clarity to our partners and stakeholders.”

Earlier today, Microgaming announced that Coleman will step down as CEO of the company and be replaced by COO Andrew Clucas.


Games Global to Acquire Microgaming’s Quickfire Business

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Micro games accepted the cession of its Rapid fire distribution activity and portfolio of online games at World Games, a privately funded company that was formed in early 2021.

Billed as a “historic sale” by Microgaming, the deal will see Games Global acquire the international distribution rights for Microgaming’s exclusive game content, including progressive jackpot titles, as well as its extensive customer base of over 900 game brands. global.

The acquisitions, which are subject to obtaining certain regulatory approvals from Games Global, are expected to be finalized in the second quarter of 2022.

Following the sale, Microgaming said it will continue to provide its turnkey gaming platform to select customers, as well as focus on the development and licensing of its sports betting technology. .

John Coleman, outgoing CEO of Microgaming, commented: “This is an exciting deal that has been underway for some time and will provide further growth and new opportunities for both Microgaming and Games Global.

“We are making the announcement now to provide sufficient notice and clarity to our partners and stakeholders.”

Upon completion, Games Global will become an igaming content provider controlling a portfolio of over 25 studios, a proprietary catalog of over 3,000 games, a progressive jackpot network and distribution with access to over 260 existing customers operating over of 980 game brands. The group will employ more than 1,100 experienced employees based in Europe, North and South America, Oceania and South Africa.

The company is headed by the CEO Walter Bugno, formerly of IGT and Lottomatica and CFO Tim mickley, formerly of SafeCharge and Playtech.

Bugno explained, “We are currently seeing a very dynamic gaming market across the world, with many new regulated markets online.

“The creation of a new large-scale independent supply chain that will be Games Global has not been observed for many years. We are committed to delivering a world-class product and service offering that will ultimately improve the end-user gaming experience and help drive our customers’ businesses.

“We are extremely excited about the opportunities ahead and will work tirelessly to realize the important opportunities that lie before us. “


How personal loans can help you pay off your credit card debt

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Image source: Getty Images

You’d be surprised how advantageous a personal loan can be.


Key points

  • Personal loans can facilitate payment by credit card.
  • You may be able to lower your interest rate by using a personal loan.
  • Personal loans, unlike credit cards, have payment schedules.

Personal loans can be obtained from many banks, online lenders and credit unions. The money you borrow when you take out a personal loan can be used for a wide variety of purposes. But one of the best things you can do with a personal loan is use it to take control of your credit card debt.

Here’s why.

A personal loan helps pay off credit card debt in several ways

A personal loan can be an invaluable tool for dealing with credit card debt for several different reasons.

If you qualify for a personal loan, you can use the proceeds from it to pay off (or pay off) one or more of your existing credit cards. This has several important advantages:

  • You can consolidate your credit card debt. It’s much easier to manage the refund a personal loan rather than juggling payments on multiple credit cards. By refinancing, you can avoid the question of which cards to pay off first, and you’ll only have to make one monthly payment instead of several.
  • You should be able to lower your interest rate. Credit card debt often charges a very high interest rate. Personal loans for qualified borrowers can be offered at a much lower rate. If you can reduce the cost of borrowing by lowering your interest rate, it can become much easier to repay your loans.
  • You may be able to reduce your monthly payments. Depending on the interest rate and repayment schedule of your personal loan, your new monthly loan payment could be lower than the payments you were making on your cards before. This can free up some wiggle room in your budget.
  • You can get a predictable payout time and amount. Personal loans come with repayment schedules. Unlike when you have a credit card, you’ll know exactly when your loan balance is fully paid off. If your personal loan has a fixed rate rather than a variable rate, you’ll also know the total repayment costs you’ll incur as you work to become debt free.

But a personal loan can only give you these benefits if you can qualify for a loan at an affordable rate and borrow enough to pay off most or all of your credit card debt. The good news is that you can easily shop around with different personal lenders to find the right loan for you.

Additionally, you’ll want to make sure you can afford the monthly payments on your loan so you don’t risk late payments. And, once you have repaid your credit card debts with the personal loan, agree not to carry over a balance on them. Otherwise, you could end up with a lot more debt, between paying off the personal loan and returning credit card debt.

Arrange a repayment plan by having a budget, so you won’t be tempted to charge a lot and you can get a personal loan at a good rate. You might want to seriously consider exploring the possibility of a personal loan that helps you deal with your credit card debt for good.

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