Game Rentals and Casino Tables Party Entertainment ...

Play Free Poker Online casinos provide players with the same old games as live casinos do. The only difference is that the casino has to pay a fee for the space they rent and the hardware and software they use to run the system.

Play Free Poker Online casinos provide players with the same old games as live casinos do. The only difference is that the casino has to pay a fee for the space they rent and the hardware and software they use to run the system. submitted by MakhiCooke to FB688Pro [link] [comments]

Tominoya is now live at -120,135 in Decentraland with casino games built on Matic Network! Own part of the casino as an NFT and receive rent from the games in your parcel

submitted by sausybaus to decentraland [link] [comments]

Any casino games dealers for hire/arcade games for rent?

Follow up from workplace party ideas thread. We're renting a hall but I'd like to put on a casino/games night theme. I cannot for the life of me find any companies online that provide staff for such a party. Festival Tents rents tables and accessories but cannot make any recommendations for staff. Alternatively, arcade game rentals would be awesome.
Thanks in advance.
submitted by toridoubleyew to windsorontario [link] [comments]

WallstreetBets Saved My Life

Do you understand that you are the ringleaders in some sort of psychotic financial underground fight club ?
This year has been outrageous and retarded at the same time and somehow. Because all of us morons got together on here - we made money during something awful.
During The worst thing we’ve ever imagined.
Have you seen the movie, Contagion?? Dude that’s a walk in the park compared to the real world right now. It’s expected to report as a ThrilleHorror. - but missed my estimates for a weak drama.
This post represents how god damn retarded we all are- and at the same time, it shows us how fucking beautiful we all are.
Wallstreetbets, was all we had this year.
and WE FUCKING CRUSHED IT.
How many stocks were we right about? That Jim Cramer told us not to Buy. But because the memes were so Funny. We bought low and got to sell waaaay high
Electric vehicles anyone?
Yea then when the stocks we keep defending sky rocket to the moon and we use the power of the autist army DD - months later Cramer tells us he likes wallstreetbets.
Yea you do jimmy
So do I . Hahahahahaha
Life is a video game
I made enough money trading on my cell phone to pay for my entire education - not need a job while I put myself thru school YOLO’ing way too much money into meme stocks for shits and giggles and waking up to 100%+ returns ON MY ENTIRE SAVINGS MULTIPLE WEEKS IN A ROW.
And I’m not alone
I hope everyone here gets to experience the power of holding a stock when Jim Cramer tells you it’s not any good. Then it goes up 1000%+.
If you thought you ever doubted anything you read, imagine making 690% returns on $XPEV in October when JiMMy BoY Told us that NoThiNG cOULd EvEr Do WhAt niO DiD AgAin.
SIT DOWN : XPEV NIO TSLA TWTR SNAP PINS And ; FB was $30 too - 10 years ago . Social media digital marketing explosion in your face.
I feel like the Incredible Hulk right now.
  1. The biggest fucking train wreck disaster we’ve ever seen. But us retards pulled thru it. Some of us changed our fucking lives forever.
Like me.
Because of this stupid forum and all of you idiots- my life has been changed forever
I fucking love you guys so much
Thru all of this bullshit I racked up over $40k profits this year.
How the fuck does that happen I only had $8k to my name. What the f.. Idk what I’m doing. and now, PETER SCHIFF FOLLOWS ME ON INSTAGRAM.
right place at the right time. Here’s my story:
I found you idiots at the beginning of this pandemic.
Feb 2020 I was, Depressed, Scared, Bored Angry Everything. I had Lost my job. I was deemed non-essential.
I couldn’t get unemployment but got $1200 in mail. That helps for sure. Like think about this ok:
$8k + $1200 = ?% ... you know ? He added more than 10% to my net worth. Right? Legit increase. So thank you for that bro. Talk shit on it all ya want but that’s a legit percent increase from D, lol.
That allowed me to over leverage way more than I was used to.
I stumble onto this Shitshow of a Reddit called wallstreetbets. where everyone is insulting each other. And it’s hilarious.
In March, of 2020: I start trading options and really ramping up my risk. I’m in and out of $AAPL calls every 2-3 days making $300-700 per week trading which is fucking awesome for me. Sometimes over a thousand bucks a week
For 20 weeks roughly. Simple math and smart trading.
Sort of. I think
It’s a version of Buffett’s compounding interest. Make $1k per week for 25 weeks =
Make $25k
Simple. Easy
Now I’m smarts as Waeren BuFét .
I don’t have any way to make money buttttt now I’m deemed not essential as a medical device salesman.
Trading is paying my bills. My friends are interested.
I keep throwing in 100%+ of my account into trades. So stupid.
And by May, 2020 = It KEEPS WORKING. And we are all encouraging each other like maniacs on here lol.
By June = I’m up $20,000 on the year.
And guys I don’t care what you say. I know it is a small profit, compared to some of the madness on here but... To me. It’s a lot of money.
Percentage-wise I’m up wayyyyy beyond normal
A whole lot of money and - I have no clue any other way to make money.
I made $18k total money, in 2019. And lost a little money in the stock market.
and then 2020 pandemic was the nail in my sales business’ coffin.
And I’m poor as Dick when the pandemic hit. My savings, I had about $8k left. . I’ve never had too much money but I work hard.
And at this point all I can think is that I know I cannot give up
And trust me I wanted to give up. In February and March I thought I’d become one of these suicides because I became so depressed about the virus and my wife was becoming sick. She was diagnosed with lupus and man I didn’t know how hard life could be. I would never leave her side so I push forward for us. Let’s do this
Time to fight the boss.
I had never been tested like this with so much hardships.
You know you hear stories about people who have very bad struggles, and never think you’ll be like that, because you work hard, but sometimes - a pandemic crushes your income to $00.00 The gov won’t pay you anything and your wife is deemed terminally ill. And then all of her hair falls out
But despite all of this, By May of 2020: I’d already made my 2019 salary in few months. I don’t fully understand what is happening but I keep reading. I Keep studying at nights. Understanding stocks further. I Keep reading WSB. It is working. I’m able to pay my bills and rent and eat And put gas in my car And get coffee in the morning. Something I’d never had spare cash to do really, multiple months in a row now from trading- I’m able to live better than ever.
But I’m up all night studying I’m chomping adderall to push thru the shit because in my mind I couldn’t go to bed yet I need to learn I need to take this opportunity.
I’d think to myself, “This is never going to happen again,” So I’d rationalize staying up till 4:30am to catch pre-market opening bell and buy 1000 shares pre-market and then exit them at 9am. Trade options till 3pm then crash hard because it’s earnings day and you can’t miss this Shit. legitimate degeneracy.
I’m not starving because I’m a trader?
“Ok push forward,” I tell myself. “You can do this.”
STAYING MOTIVATED THRU THE DARKNESS. my gains were steady until the end of the summer when my portfolio Doubled bc of Instagram .
I thought I had made all the money in the world. Over 100% gains. Little did I know i was about to 100% the 100%
The most incredible thing happened,
Randomly, one day I smoke a fat fat joint and put in like 2 hours making a meme video for you tardos because I’m so high... I’ve never done it before. My first meme video is born
When I post the video on my Instagram, I tag Peter Schiff , Peter Schiff’s wife shouts me out - and Peter shouts me out.
And I’m eating dinner with my wife. And I see that notification.
“Peter Schiff has followed you”
I look at my girl like waaaaaait a second. Read that to me......... Then my phone... I’ve never seen it come to life Like this. HAS ANYONE EXPERIENCE THIS BEFORE? Peter and his wife shout me out on Instagram, and the wave of followers that came to my page was UNREAL.
Turns out - Peter and his wife are legit 2 of the coolest people on planet earth.
And they are both part of my 23 followers.
Lol Whaaaaaaaaaat.
He was on Joe Rogan guys. What.
(I have had this account for years and am posting constantly on it with ZERO interaction. Maybe 1-3 like per post. Posting 10x per week. Why tf do I need a personal Instagram? - let’s talk stocks b).
“Whaaaaaat is happening!?!?”
I decide to go big. If fuckin Schiff is into what I’m saying. LETS FUCKIN GO.
I walk into the wallstreet casino (market open) In early July 2020 -
I put everything on fuckn $SLV boyz.
I had about 40 contracts and over 500 shares
(Once again, I know this position sounds small, but understand me- This is all the money I have. So it was a true god damn yolo in the Purest of its many forms. I’m so mother fuckin proud of this trade. It changed my life forever).
By the end of July I’ve almost doubled my money. By late Aug early September 2020 You saw what happened to silver.
Rockets to the moon then crashes back to earth
I had made the perfect trade
I bought a pair of silver AirMax 97’s the day I sold my position. To celebrate bc it was so unreal to me to make that kind of money so fast.
I was up up +$40k on the year. $SLV was at $28.50 the day I decided to sell
I Bounce. I sell it all. Instead of diamond hands. I spin a total 180 on my silver theories about it going to $50/oz and I sell everything and take all of my profits. I got a bad feeling. I started reading about JP Morgan. And then the ultimate red flag
The slimy reptiles on tv began saying silver is good.
Annnnnd I was like NOPE CANT LISTEN TO LIZARDS EVER EVEN IF THEY AGREE WITH YOU
and I exited the entire position HAHAHAHA while people told me if I hold till December Ill make $150k. OKAY how’s that working out ?
Because silver can’t fail - and it’s definitely going to $50/oz; by December. Because the COMEX. Bla bla bla. Manipulation move on. Only hold physical. Period.
Anyway
I don’t care what they say. This profit I made. is WAY MORE MONEY than I’m used to.
$40k total profit and the year isn’t over - I take it
I sell all my $SLV positions.
In the following days after I sell- $SLV absolutely collapses from $29 to $22
Are. You. Kidding. Me.
I can’t believe it. I did the yolo. Again It worked. And I fucking sold at the right time.
I decide that’s enough. I’m gonna use this to pay for an education to work in surgical technology. I apply and I’m number 6 on the waiting list to get into class. But they say that it’s possible. So I wait. ... maybe I can really pull off the greatest thing I’ve ever done and get my shit back together.
Dr. Jordan Peterson taught us to choose the best thing we can think of- how we can help People. Also, choose a job that is one you can be good at.
Then shoot for that. That’s the goal. Thanks doc
I get a call on oct 17th from the school.
Oct 17. Is Eminem’s birthday.
I started school 2 days later.
I know some will make fun of this career, but... it’s essential. Pay is awesome for me. I like to work with my hands. this is an excellent, “trade-based,” Job for me- Because I will be good at it and make money.
Pandemic made me change my attitude towards work. No man is above a job and if you have a trade you can work with your hands - then you will always have income. As long as you have hands.
And if you have income, you can trade like a retard forever.
If you can trade, you can make $40k on your cell phone without a job in a pandemic.
Stand up, and scream at the top of your lungs if you feel me on this.
Is anyone even reading this shit anymore?
Seriously. If you understand what I’m saying, aka-
If you were fucking BROKE and you made more money, in 2020 somehow, than you ever have in your life-
You are a fucking legend. And so am I.
WE WERE BUILT FOR THIS SHIT.
So, I drop $25k for school. I swap $15k of my profits into physical silver bc of taxes are good. I swap the physical silver for cash, to eat when I’m hungry and live on when I need to now.
And my physical silver I got at $25/oz is worth over $30/oz today. . And I still have my original $8k in investments , which I’ve (to date) turned into about +$18,500 literally, by just trading whatever is trending on an app called Stocktwits.
Then searching WallStreet bets for The ticker and see if You retards are talking about it yet or not.
Huge W
I finish school on 09.09.2021 I will have a job that day and income
All of this happened because of WallStreetBets.
Things were so dark. So bad. No future. No prospects at all in business but bros...
I was fucking trading. Like a complete fucking idiot
And making money. And I still can’t believe it. I cannot believe this happened.
PULLED UP TO THE PARTY IN A PINTO LIKE IT WAS A PORSCHE
and I can’t believe I made all this money following this sTupid ass Reddit website and 100% autistic, over-leveraged, retarded meme trading the entire year.
Huge Respect to WSB. This place was the light at the end of a dark tunnel.
Seriously. Thank you so much. All of you.
You saved my life.
What a fuckin trip. We are immortalized. We made history in 2020.
Merry Christmas Retards
~edit • • • • •
• • • •
My wife is much better (her hair grew back) and I’m having a baby boy this March.
I’ll be working as an essential surgical technologist by the fall of 2021.
I’m an idiot and a pussy I only will put $100 at risk in any trade - and I don’t can’t what anyone says about that. because my life is forever changed for the better, because of this forum
Now ...
The shitshow is not over.
2020 was a springboard for some shiiiiit 2021 we are coming into a commodity boom I think.
Get ready for 100x more Madness
TL:DR - $IPOC 19 FEB 2021 $15C
submitted by stocktawk to wallstreetbets [link] [comments]

Las Vegas Tops U.S. in Rise of Apartment Tenants Not Paying Rent

submitted by speckz to Economics [link] [comments]

Before you spend money on this game, consider this.

I've been seeing a lot of posts where people are upset or complaining that they didn't get anything after spending "x" amount of money.
I just want to put my two cents in there since this is how I look at the game. Before spending any money on primogems, consider these things:

"If I get this character with $x, is it even worth $x?"

You're essentially paying to play with a character. Except in this case, paying for a chance to play with that character. What about the people who have spent thousands on this game? After getting Diluc or Mona for $3,000, was it worth it?
Think of all the things you could buy with that money. A Nintendo Switch costs $300. A game costs up to $60, and you know what you're getting. Rent money is $1,000-$3,000. The list goes on.

You're never guaranteed anything.

The ONLY exception to this is pity rolls. The maximum you'd need to spend is 28,800 primogems (around $400+) to guarantee getting the featured character on the banner. This is assuming that you didn't get any 5-stars before hitting the pity the first time, your first pity wasn't the featured character, and you hit the pity a second time to guarantee them.
Is any single character worth $400?
Other than the featured character, it can be REALLY difficult to pull any other character. You want Diluc? If you roll on the featured banner, its 50% chance you'll get the featured character. That means 50% chance you'll get a different 5-star. Since there are five 5-stars at this moment (not counting the featured), you have a 1/10 chance of pulling Diluc when you get a 5-star from this banner. On top of that, it's a 0.6% chance that you'll even pull a 5-star to begin with. As for the standard banner? The chance is even smaller with all the weapons thrown in.
To those complaining that they spent $100, $500, $1000 and didn't get what they wanted, you were never guaranteed it to begin with. It's all RNG, you aren't owed anything because you spent money on the game.

There will always be a new character that you'll want.

So you spent $400 on getting Venti. You needed him, he's your favorite character right? Of course you had to spend for him, he's the best character you've ever seen and you couldn't enjoy this game without him.
A few months later, a new character is released and you're in awe. Their skills...their looks....their element...you NEED them.
Well, that's another $400 you'd have to shill out to guarantee them. What's that? You only want to use them if you have their first constellation? Well better get that credit card out again, looks like you'll need to pull some dupes.
This is a never-ending cycle. I've run into this feeling countless times in video games. The new shiny thing will always be tempting you.
Not to mention power creep. New characters are often made to be better than older ones. As the game progresses, people who don't have newer characters are often at a disadvantage (mainly with DPS). In a gacha game like Genshin, it would be very expensive to keep up with this if power creep occurs within this game in the future. It's best to make the most of what you have.

Gacha = Gambling

When you go to a casino, do you walk in expecting to win millions? The odds are never in your favor when gambling. Rates are low for a reason. If everyone could spend $50 and get the exact characters they wanted every time, Miyoho wouldn't be making as much money as they are.
Gacha games have always been about gambling for characters. As stated previously, you're neverarely guaranteed anything, and by the time you've gotten what you wanted (unless extremely lucky), the company has already gotten what they wanted.

Don't be blinded by sunk-cost.

Sunk-cost is the idea that you've already put so much into something, and it'll go to waste unless you continue putting resources into it to get it. Do not be blinded by this when doing gachas.
Say you spent $100 and didn't get Qiqi. You've already put so much into the game, and not getting her would mean your money went to waste right? What if it would take another $1,000 to get her. Would that be worth it? It's best to cut your losses and walk away. Thinking about the sunk cost of something is what gives many people difficulty walking away, and causes them to over-spend.

Your party has limited space.

Yes, I know abyss is the exception. But overall the majority of the game only allows 4 characters at a time. You can't play with them all. It feels real bad to put a character you spent a lot of money on aside because they don't fit your current comp anymore.
-------
This comes from someone who is largely free-to-play in games like this. The only gacha game I've ever spent money on was Love Live a few years ago. I spent $125 and never got a single ultra-rare with my pulls. From that I realized what I was doing. Even if I could afford putting $30 per 10-pull, was the card I was going to get really worth that? No.
I learned from that experience and see gacha games for what they are.

Glorified gambling.

PS: If you are aware of all this and still want to spend $$/disposable income on primogems, by all means go ahead. But for many people it's easy to lose sight of what they're really paying for. I hope this is helpful in some way.
Feel free to disagree with any of this, but this is my perspective on the game and I get really sad seeing so many posts on the subreddit about how depressed people are after spending and not getting anything, and feeling entitled to it.
TL;DR: It's easy to sink lots of money into this game if you don't recognize you're gambling and never guaranteed anything. This is a warning post, not a criticism of anyone.

EDIT: As reddit user u/zapzya summarized: "...not everyone actually has the financial stability to invest in such a product, yet will do so anyway because they are not particularly knowledgeable in gambling mechanics or because shady tactics like the currency change ($$ genesis crystals primogems fates) actually work."
submitted by appleminte to Genshin_Impact [link] [comments]

The year is 2024. You boot up Hearthstone.

Upon entering, you see your new daily quest.
-"Win three games with neutral hero tavern heroes."
You can't afford to rent one of the new neutral heroes from the Neutral tavern because you already blew through your gold loan for the year. (3000 gold at 15% interest rate though; that's a bargain you couldn't pass up.) Even though the quest reward is 4000 blizzard bux which you could use to trade for 400 exp or 20 gold, you decide it's probably smarter to spend your 10 gold to reroll the quest for something you can complete.
-"Invite two NEW friends to Hearthstone and have them complete a purchase"
Jackpot! This is the most rewarding quest you could have rolled with an insane 10,000 Blizzard bux payout(That's 1000 xp or even 50 gold!)
You glance over at your gold loan balance. You still have to pay back 1000 gold before the next expansion or you'll be hit with interest, and this would go a long way in keeping that from happening. Unfortunately, you can't use existing friends for this quest. Fortunately, thanks to the free trial-turning into a subscription fee a week after download, you can just find two gullible random people to download the game and chances are that a week later you'll receive the quest reward.
You exit the Journal tab and go to play some casual.
"You have (3) games remaining in the punishment queue. RNG will be affected until you are removed, please be more considerate in your future endorsements."
That's right, you had linked your social media and reddit accounts to your battle.net account because of the pack giveaway at the time. Unfortunately, this was part of the new, "Punishment queue" system in which players who spread misinformation about the game have various in-game probabilities reduced so as to properly educate them about the damage their lies have caused. You feel a slight tinge of regret for your post about how "I missed rent this month so I could buy the bundle and didn't recieve legenderies." Blizzard had deemed it "Community harmful" and you had been placed in the punishment queue as a result of your callous and harmful words. Still, the alternative is not playing the game and that isn't an option.
You queue with the least RNG based deck you have, Casino mage, to try to mitigate the punishment queue. The card design is really cool, with a lot of the cards in the deck being re-imaginings of the old Scholomance set but with a little more focus on random card generation and RNG. Your opponent is playing KENO Demon Hunter. You hope that they aren't a "Leviathan" class player and could only afford half the guesses allowed.
The game starts and the Keno card appears on your screen. It's as you feared, he has 50 of the 68 spaces on his Keno card paid for. He hits 4/5 of his numbers and starts the game with his 4/4 weapon, as usual.
You just cut your acidic swamp ooze's too because they put your deck's IGV(Ingame value) below the threshold for being able to queue. Unlucky.
Your opponent missed his combo for the OTK, but it still rolled a 5 on his, "Dicey odds" spell card, allowing for 5 additional attacks from his hero this turn. You're thrilled to get a turn so that this game counts against your punishment queue total. If your opponent defeats you before you get a turn, you don't get credit for the game. It's been like this for over a year and people still don't know whether it's intended or a bug, but nobody wants to risk additional Punishment queue games by asking.
You're still really looking forward to the next set, "Forwards from Arthas" and know that all of the problems with the metagame will likely be fixed once and for all when it finally arrives. Time to preorder.
submitted by fireglz to hearthstone [link] [comments]

Governor Sisolak Press Conference 12/13/2020

Here's the update, typed as he was talking, apologies if I missed anything.
NO FURTHER SHUTDOWNS ANNOUNCED! Pause is EXTENDED through 1/15/2021.

submitted by Saigonic to LasVegas [link] [comments]

15 Years. 6 hours. Lots of heartbreak.

Hello Reddit community. Fair warning, this is a very long one.
I (33m) met my ex (34f) 16 years ago when I was in high school. Over the internet back in the day when people enjoyed Yahoo Games. We met over the chat in there lol. I am from around Brantford, Ontario, Canada. She was from around Pembroke, Ontario, Canada. I will not bother with going into the long details of our relationship but will say that it is obviously a very long history but it has always been pretty roller coaster like. I will also say that I have a whole host of my own mental issues, like Anger, control, jealousy etc probably stemming from a pretty rough childhood i have had (i am currently in counseling after many years of not doing it). We have 2 children. A 9 year old daughter and a 2 year old daughter. At the time of the beginning of this incident, we were not together and she was living with our daughters and her sister in an apartment about 5 minutes away from me.
Around August of 2019, one of the two of them received a phonecall from their father and he revealed that he had been diagnosed with terminal cancer. The two of them and our daughters immediately drove up to Pembroke to spend a week with him. His wife (their stepmom) is a real estate agent in the area. When they returned, the two of them had decided that they wanted to move to Pembroke to help their father.
When she told me this, as you would expect, I was not pleased. We got into some huge arguments. While I could understand wanting to help with their father, I was extremely upset about our children being taken away. I calmed down a bit eventually. During this time, they had been talking to their step mother and their step mother found out that renting apartments and renting houses is just as expensive, if not moreso than actually paying the mortgage on your own house. So now they get ideas about owning a house there. Found a house for like 108k. They decide to go to a bank to see about going together on a mortgage. Turns out the sister is so bad with her finances and debt she owes that they decline them.
I feel like at this point I should add in that although we may not have been together at that point (and throughout various other points of our history), the love I have for her (and obviously our daughters) has always been very strong. The 3 of them mean the world to me. My ex eventually comes to me. Asks me to go in with her on this mortgage because she knows I have a stable career and good income (im a dealer at the casino here in Brantford for the last 11 years). So her sister is irrelevant in the matter as it would be just hers and my house. Obviously I was not pleased. I talked this over with a few friends and my mom (who is my rock). They thought it was an insane thing to allow. I felt like I was stuck between a rock and a hard place with this decision.
  1. I do this and co sign a mortgage with her. I would be doing this to help her and her sister out and I mean....frankly it would make me feel good to help them be with their family in a sense. But this also means our children and her move 5.5 hours away from me.
  2. I dont allow this and my ex resents me for the rest of my life and it makes any interactions we have in the future horrible and she also would probably financially make it much hard on me (going after more for child support, which at the time I believe I was paying 400 Canadian for our two girls).
I feel like I should also note that we have never been to court for anything. We have no custody agreement, they kind of just....live with her. When they were here in Brantford they were living with her and her sister and I would just come by and visit the three of them whenever I wanted or bring the girls to sleep at my place if I wanted. We've never had child support agreements either, beyond verbal.
Anyways...I eventually went through the bank checking on me process and decided to sign for this. From MINUTE ONE when she first told me about all of this, she said to me over and over again that this is just temporary. This is what made it easier on me. Because I knew that we could just grin and bare the distance for about a year to a year and a third. Her father was given 1 year to live btw.
So eventually they move on October 18th, 2019. From then until a few months ago I had been going up every other weekend from work to stay with the 3 of them. I went up with them at the beginning as I had a lot of paperwork to sign. I should note that we are BOTH co-owners of this property. 50% each. Same with the mortgage. BUT.....I have never invested a dime in this house. She borrowed a loan from her mother (my ex has never had much money at all) for the down payment of the house. She pays the mortgage and bills on the house.
When they were living in Brantford, she worked as a sale associate at a Winners store. When they moved to Pembroke, it was actually a good transition for her as she basically just transferred to the Winners in Pembroke. She eventually got a promotion to a supervisor there making a bit more money. To which she eventually, in October 2020, quit her job. I told her multiple times before she did this that it was a very very bad idea. But she didn't care. Said she just wanted to spend more time with our girls and she didn't get to while working, which is a ridiculous thing to say, because what parent wouldn't want to spend more time with their children. We work to provide a life for them.
Around January of 2020, her sister, who has always made rash decisions in her life....decided that she was going to move to Oshawa with some guys shes known for a few years (oshawa is like 4 hours away from Pembroke, 2 hours away from me in Brantford). By doing this....she kinda of double screwed my ex. One way, obviously, was that she was no longer going to be chipping in on bills. The other was that during this entire time that they lived in Pembroke, she didn't have a job (still doesn't, but irrelevant), so she was a free babysitter for my ex to watch over our children. This put my ex in a very uncomfortable position. The two of them really fought over this. When her sister moved out, various friends and family members would chip in a few hours here and there watching our girls, but nobody was consistent. Shes never had a reliable support system.
This continued until about the beginning of July 2020. Her sister arrived back at the house in Pembroke one day and discovered that my ex had left our 9 year old to watch our 2 year old for 8 hours a day while she was at work. This had shockingly been going on for 2 weeks. My ex had told me that her father and stepmother would be watching our daughters while she worked, obviously lied to me. So her sister lost her mind when she got there, called Childrens Aid Society and reported it. Waited until my ex got back from work and they got into a huge blow up. The sister left back for Oshawa. My ex called me that same night and told me all of this. I immediately told her that I would come there tonight and take our girls back to my place to help out for an indefinite amount of time. I left at 1030 that night and drove through the night except for a power nap and got there at like 8am. My daughters and I left later that night to come back to Brantford. They stayed with me for a month and a half from the beginning of July to lateish August. We had an absolute blast together. During this time, my ex was in a very dark place. She was very depressed about me "taking our girls away", as insulting as that is. She was also dealing with health issues at the time which eventually required emergency gall bladder removal. She was sidelined from work for about 2 weeks, sleeping like 18 hours a day. During this time, she apparently decided that she wants a lot more tattoos. So she was talking to a girlfriend from work about this and her friend told her that she should get in contact with her cousin or something. A guy who would give her tattoos for free or at least very cheap. Obviously everyone knows that the words free and tattoos never go well together. So they started hanging out and she started paying this person in Tom Hortons and pizza slices for tattoos. For real. Obviously I havent huge divulged in my own mental issues, but if you knew me.....you would know this does not sit well with me. I started being very accusatory and jealous. Saying to her over and over "oh, this is your new bf then eh?" Constantly she would say over and over again, "OP, stop being such an idiot. Hes just a friend. We've met each other at very dark times in each other's lives and we enjoy our time together." Eventually I brought the girls back to Pembroke. School was going to be starting back for my 9 year old. She had found a day care for our 2 year old. Everything seemed like it was set in place.
Now we are at about October 2020. This person is coming over to our house in Pembroke all the time or my ex and our girls are going there. I should mention that my 9 year old has said repeatedly that she does not feel comfortable around this person and finds him very weird. Says he's nice to her and her baby sister but he just doesn't seem to care much and he just makes her feel odd and he's weird and she doesn't care to be around him. So as this is going on....my jealousy back in Brantford is getting worse and worse. It got to the point that there was a night when this person made a supper for the 4 of them and I was talking to my daughter on the phone and she told me about this meal that they had and it was very very good. This didn't sit well with me. We finished our chat and I was texting my ex and told her something along the lines of "this is absolute bullshit. This is some husband and wife shit. I feel very uncomfortable with this person around our children." She basically said, again, that I was being ridiculous and that they are extremely good friends and this is what best friends do. I lost my temper and basically told her over text, "fuck this shit. Im done. I just....I dont want anything to do with any of this now. Enjoy your family of four." I should say obviously I dont actually want to revoke any sort of rights I was just jealous and angry and hurt.
Let's fast forward a bit more. November of 2020. Now, they seem to be sleeping over there at this persons house pretty much every night. Which is super fucking weird as like I told you guys.....my daughter does not like this. She finds it very uncomfortable.
At this point, due to covid among other factors....I really haven't seen them in about 2 months beyond video chat. I had started a new job but had a string of 5 days off in a row. Decided to make a bit of a rash judgement and drive up there to surprise my girls. But I wont lie, it was also because I was getting increasingly nervous. I arrive there on a Friday night at like 630 pm. I figured they were over there as there was no one at the house we owned (tbh probably a good thing as it avoids the confrontation). I asked my ex over text if she could come back to the house so I could hang out with the 3 of them. It didn't go well. She says "OP, are you insane??! We have not been on good terms lately, why would you think this would go well? I will bring the girls back but im not staying there." Than I just lost it. "This is absolutely ridiculous. I wanted to spend time with all of you." "I will not be staying there." "OK....well....I guess you had better just not come back then cuz I can tell you if you do....I will follow you to that house." "Omg are you insane? I'm calling the cops this is insane"blah blah. It never happened. We calmed down and I eventually stayed in the house for the night. She brought our girls over in the afternoon while she did grocery shopping but they already had plans to go out with her cousin to look at Christmas lights that night. I was invited to come but it would've been way too awkward. I just drove the 5.5 hours home.
It just got worse from here when I got home. This is like beginning of December. The very next day her father passes. Soon afterwards, she announces to me that they are no longer going to be moving back. Im absolutely floored and beyond hurt. Huge fighting ensues. It gets very nasty with her saying terrible stuff like she will go for full custody, etc etc. I remind her that we had a deal to move back after her father passed and that she can't do this with our kids. She says she is not stopping me from seeing them. Willing to meet every weekend for me to have them. This is no life. This is no life to formulate a good relationship with our daughters. This is beyond cruel. She claims im the bad one as im trying to force our daughters out of the house they love and the school our 9 year old loves and the quiet neighborhood. So.....now its about mid December. I am getting them to stay with me from December 27th- January 9th (they are here now). Its probably about the 21st at this point and she decides to announce to me that they are a couple and have been for a month now. Obviously im crushed. Shes said so many times all she ever wanted was for us to work out. Wanted me and her forever. Wouldn't have ever happened if it wasn't for my poor behavior and all that. But shes happy now she says. Many many days of crying ensue. Rage and anger. Jealousy. Insane insane jealousy. Here comes the creeper parts. So. Over the last 2 or so months I've learned some details. Dude apparently has a child on the way with a woman but she moved 5 hours away from him when she first found out she's pregnant (probably should've been a red flag for my ex). Guy works in the military in Petawawa, a town nearby Pembroke. Big, big military town. Hes a chef or some such shit there. Now....im not condoning my next actions. My eldest daughter had made me wary of this person as well as obviously my jealousy. I started doing some social media digging. Found out who his ex is. Started a very awkward dialogue with her one day (around the 23rd or something). It blossomed into actual conversation for days on end. Turns out, according to her and some serious shit she showed me during our many, many conversations.....this guy is seriously trouble. Massive control issues (I know...pot meet kettle), manipulation and grooming. On multiple occasions this guy would hold knives to her and threaten if she ever left him that he'd fucking end her or himself. Many many times of beating her up both verbally and physically (I saw a bunch of pretty bad pictures). Use to choke her out against a wall until she passed out and then would proceed to have his way with her.....really messed up stuff. Heres the real kicker. Curious how these two met? Not sure exactly how they met....but how they ended up actually getting together and having a 4 year relationship is because.......they both came into the relationship positive for genital herpes. Genital friggin herpes. He cheated on her many, many times during their relationship (apparently grounds for firing from the military). During these times that he's cheated on her....he apparently infected multiple people with this STI. He was scared moreso when a few women tried to confront him over text or other social media claiming that they wanted to get in contact with him and would sue (apparently thats a thing, I didnt know), than when his girlfriend found out as he knew he could smooth over the fact he cheated on her because he had her groomed and scared. So obviously he has not told my ex this, even though his ex that I've been speaking with literally described where exactly they are in his house as shes been living there for 4 years (up until about may/June 2020).
I confronted my ex about all of this stuff. She wasn't hearing any of it. Doesn't believe anything. Laughed me off. Says he's treated her nothing but good since theyfe been together. Said she won't put up with anything bad, not even once, but nothing has happened. Only thing that gave her any kind of pause was when I told her that literally less than a month ago he was texting his ex, asking her to "please come back, please come back to me. You are my everything. I want to spend the rest of my life with yiu" etc etc. So clearly this guy doesn't give a damn about my ex and she is just the current thing for him to pass his time with.
So. I think we are just about at the end of the story. Not much else has happened since that as, like I mentioned much earlier, I've had our daughters with me since dec 27th, until Jan 8th (for now). Oh. Actually.....one thing. She continues to show incredibly poor parenting skills. During this time that they've been with me.....sometimes around the 29th....she has actually gotten him to move in with them at OUR house. This is so beyond messed up. One month dating and this happens. Our kids don't even like him. Like I said earlier, my 9 year old has said he's very weird and strange and makes her uncomfortable. But she claims she's doing this all in the best interest of them. She justifies this because this guy is now apparently renting out rooms to two people at his house while chipping in some bills at our house. So the dude is using her as a cheap place to crash (the mortgage on our house in Pembroke is literally like 330$ a month), while he profits off his house. I have thought of doing multiple (probably bad) things, but I feel like someone needs to stop this terrible person before he hurts people beyond just my ex. I have definitely thought of contacting the Petawawa Military Police and telling them about all the horrible things I know about this person and telling them to check his medical files (the military doctor issues this guy his herpes medication, Valtrex). Ive also thought about sending him a pretty serious message, though that will probably amount to nothing. I can provide what I've typed up already about it if someone wants those details.
I will finish this off with the legal questions.
  1. She is scared as she thinks I can force the sale of the house as a co owner. Can I? Would I have a chance?
  2. Am I able to get them to move back? I realize thats a multi layered question. Having a verbal deal I also realize probably looks bad on me....but even if she denies that this deal ever happened....why on earth would I ever just randomly allow our children to be moved 6 hours away forever? No sane person would.
  3. I want this monster away from our children. Is it unwise to try and work up the balls to talk to military police?
  4. Its to the point that I dont even feel comfortable bringing our children back to meet up with her halfway on Jan 9th. Like I stated previously, we've never had any sort of custody arrangements. So, in my eyes, neither of us are more allowed to have the children than the other. What are my options here?
If yiu made it all the way here.....thank you for your time. I cant express enough gratitude. This has absolutely been the year from hell for me, even without covid.
TL;DR- ex and I had an agreement to move back with our children. Shes backing out of this. What are the options. Do I have a case? New guy in the picture very much scares me and our children are seriously uncomfortable. Can I do anything? Co own a house together. 50/50 split. What can be done about this to force the sale and potentially get things going in my favour?
submitted by Phonyspoon to relationships [link] [comments]

Why Goons are the "Good Guys" of Eve - An essay by Asher

Quick note: This post took me a long time to write, many hours between conception, editing, and execution. If you would be so kind as to not downvote it strictly because you disagree with me, I’d appreciate it. If you think this is a low effort post, or doesn’t contribute to discussion, then please do. This started out as more of a bullet point list of reasons but as I rewrote it became more of a story of my experiences as they relate to Goons. I hope you all enjoy it more this way.
One of the conceits of the war from the PAPI front is that “Goons are the bad guys of Eve”. I’ve found this narrative vexing, because over the last five years I think Goons have swung from comical Eve bad guys to the best of the large alliances in Eve. I’ll explain why I believe this is so.
But first let’s address some things: One of the disadvantages of being around for so long is that we have to carry around all of the bad baggage from years past. There are a lot of “old twitter posts” some of which are pretty awful. Bad people, bad memes, and the like. Some of it is just stupid in retrospect, some of it deeply embarrassing.
The positive news is that I think the alliance has become the leading example of what a large alliance should be in the game. Good to its members and a fun adversary to an outsider. Going back to 2015 Goons had gone through 1 “cultural revolution” which had defanged a lot of the casually terrible stuff that was common in Eve back then (ie: jewing was a common term for ratting/krabbing) but still had a lot of vestiges that wouldn’t be fully swept away until cultural revolution 2 (where we probably landed on the side of too heavy handed, but that’s a story for another day). However it was, in my opinion, peak “bad Goon” in terms of gameplay philosophy. Sion had just pushed the Viceroy plan - something I considered one of the most ill-conceived efforts to get content in quite a while. “Helldunks or blueballs” was the byword, and Reagalan snapping the phrase at some unremembered skirmish commander saying just that was the talk of the Eve subreddit. Spin was, in the most generous terms, pretty far-fetched. Line members were considered pretty dumb and the apparatchik were fairly devoted to passing down the party line.
At the time I was an up-and-coming FC. I had already formed my Reavers SIG about a year before in Oct. 2014 and had won some heavily outnumbered fights against most expectations. I was getting a big push from alliance leadership and kept winning fights as I got sent out on mainfleets I was quickly got promoted into bigger roles to the point where I was running main fleets as the main FC. Laz was mostly AFK after winning B-R5 and trying to do the streamer thing, but still around for big fights. Not long after Vily left Goons. A few months later Endie, Elise and others would start aggressively lobbying me pretty hard to leave Goons and I started getting BIG CASH OFFERS on the table from other people as well. This was the start of the Casino War. At this point I think Mittens started sensing the sharks circling and promoted me to ‘skymarshal’. This is a mostly tongue in cheek position but one that meant you were in charge of the Goon military.
At this point I had a lot of problems with the way some things were being handled in the alliance military, but I was fully committed to making change from inside rather than leaving my group behind (I had only been playing Eve seriously since 2013, but I’ve been a Goon since the early 2000s). One of my biggest problems was the “helldunks or blueballs” philosophy. I thought it was a great way to win one war but a terrible way to retain members. During much of 2015 I had the feeling that we were rotten to the core, that our strength was mostly fleeting. Although there were some specific moments that I felt could have stopped the Casino War before it started, (mostly by counteracting SMA’s mind boggingly bad decisions) I felt that theViceroy program and the disasterous lowsec campaign had already exposed a lot of our weakness to the whole galaxy.
Despite the losses, the Casino War turned out to be a huge boon to Goonswarm and our allies that stuck with us. It got us out of Deklein into Delve which was (at the time) much better space. We would have never got rid of Deklein otherwise. It taught us a lot of lessons about sprawl and not fighting over-extended. It showed us the flaws in our organizational structure. But most importantly it opened minds to re-evaluating certain dearly held doctrinal beliefs. One that I wanted to challenge almost immediately was helldunks and blueballs. I felt that our guys being generally unchallenged lead to us having great numbers of fair weather friends who could be relied on for dunks but would split when the going got tough, both in Goons and throughout the other alliances in the CFC. In our exile to Saranen, we saw exactly that.
My doctrinal belief was, and still is, that regularly placing your guys in tough positions results in better pilots and in people who are happier overall. We grow personally and as a group by overcoming challenges. A helldunk is a Pepsi Cola. A struggle overcome is a 14 year old scotch.
After the Casino war we moved to Delve and were in pretty bad shape resource wise but you knew every person who stuck with you was true blue. I’ve never had more fun than my days in Saranen as the war wended its course to an end, and part of that reason was you knew that every person who was with you in Saranen would ride with you against all odds. I was determined to capture the ‘Saranen Spirit’ for people who were there and for those who would start playing or join us later.
It took a while though. When we first arrived in Delve PGL followed us there with the goal of destroying us once and for all, but by this point there was no fat left. Every single person was battle hardened and the money and will to follow us had run out. We stopped his campaign pretty quickly.
Change came slowly at first. We had a lot of wounds to lick, a lot of data to process and people were just tired. The first turning point against helldunks/blueballs came with our Hakonen deployment. We took a shot at Tribute with just carriers and dreads versus an enemy supercap force that clearly outnumbered us. It was a very fun deployment for us but we did eat a ton of negative publicity about how “bad” we were. I think it bothered Mittens a bit (maybe a lot) and I don’t think he had yet realized the value we gained out of it.
After seeing GOTG’s impressive subcapital and supercapital contributions during the Hakonen deployment, we decided to deploy some of our combat SIGs to Pure Blind to begin harassing our enemies on that front, once again committing to an offensive in a deliberately handicapped fashion. For almost a year, we whittled down multiple alliances with relatively tiny subcapital fleets and the odd dreadbomb. All of this built up to a climax in 2017.
X-47 was one of the most consequential fights in recent memory, and once again we put ourselves in a rough spot to get it. We started the titan fight with dead-even numbers against an enemy with Keepstar advantage and all that entails. Less remembered but even more significant was the oppressive tether doomsday bug/feature, which put our super fleet at a significant disadvantage. In the armor timer, we gave them the opening volley and it started off really poorly for us, but we ended up pulling out a victory. The hull timer was a much more lopsided victory in terms of Titan kills, , and the Keepstar death all but ended serious resistance in the war. Still, I remember the anxiety going into the fight, I don’t want to sound over-dramatic but I spent the whole night before prowling my house, unable to sleep. I had figured out the value of the Imperium supercapital fleet and it was in the millions of dollars if you converted it to plex. It’s a huge amount of pressure on the shoulders of the FC to know that if you mess up you could lose that for the people who put their trust in you. It’s also a very small group of people in video game history who can make a statement like that so it’s a fun and unique cadre to belong to and my respect to those of you who have shouldered that burden before.
Throughout all of these campaigns, I think it became more and more clear that this new military philosophy was the superior one, and ditching the ‘helldunk’ strategy was the correct move. Over time I slowly pulled Mittens towards my view point on this - that there is something of more value than just numbers. Our doctrines started evolving too. This might sound comical, but for a long time Goons had avoided cap chains. It was thought that the Goon line member couldn’t handle it. Now when I see our fleet spreading ewar really effectively, and our very effective cap chaining logi, and multiple FCs all doing different tasks, I can’t help but smile. Hard work pays off.
After X-47 we wrapped up that war and went home. We would come back in the not too distant future to finish the work we had started. We expected a stronger response in Tribute, but after an initial hard fight the regions were vacated and we glassed it. Unlike every other group in the game, we didn’t immediately find some renters or delegate an underling to occupy the space. We left it fallow and a really healthy ecosystem of small alliances has flourished. We didn’t know exactly what would happen in this space, but since we left Deklein we have very conspicuously and openly avoided taking space and sprawling out. And I was very satisfied to see what can happen when you leave some space open for anyone to use.
After that last northern campaign, we went home again during the chaos era before we started our GEF campaigns the following year. Once again, we deployed against superior enemy numbers with capital superiority and fought outnumbered in two separate campaigns. At this point it felt like we had burnt away all vestiges of helldunks or blueballs.
Coming into July I had this short convo with Mittens, and I think it illustrates how our relationship has grown and the trust that you can build even with people who initially had vastly opposing views on how things should be run: https://i.imgur.com/YyIE1bs.png
I’d like to address a few more points that I think lie strongly in our favour: Supercaps – Goons have been opposed to them for as long as I can recall. All our CSMs have publicly come out in favour of them being nerfed, even though it’s long been to our strategic benefit for them to be strong. Over the last few years we’ve lost people in comparison relative to other alliances. Some people have aged out, some didn’t like the way we fought wars and went to climes that agreed with them more, but we’ve always had the most supers and we’ve constantly argued that they are unhealthy for the game. I have personally lobbied for them to be nerfed, in public and in focus groups with Devs, because it’s our belief that they are unhealthy for the game. Part of why we are being attacked is because our enemies believe that dreads can be used against titans much more effectively than in the past, and they can flex their numbers advantage in that area on us. If we end up losing because of this, we’ll have lobbied ourselves into that position.
I think part of the gulf in perspective between us and our enemies, especially the TAPI FCs is that they just fundamentally view the game differently than we do. But at one point we were much closer. Vily left in 2015 in the middle of helldunk/blueball and copious spin and he’s brought the Goons culture of 2015 to Test. There’s a Test poster – who I won’t name because I’m pretty sure he gets off on being recognized – who has been making the argument that Test are more Goonie than Goons. And to him I say: I agree with you. Test have inherited the mantle of Goons and we became something else. Vily is Goons without the growth. PGL tried to destroy us in 2016 and thought we’d cave in like a rotten pumpkin because that’s what happened with his alliance. When we didn’t I believe he was shocked but he thinks it will be different this time. Well, I’m going to be the bearer of bad news for him because this group has been through much worse than we had in 2015. We have a lot of people who have been fighting consistently against people who had every advantage over them and they’ve come out the other end stronger. Will it be enough to beat 3x our numbers? Who knows, but I know these guys will be with me no matter what happens.
I’ve been hearing the same story over and over in my fleets, I have pretty open comms (sorry Euros that I annoy with this policy) and people have been more reflective as of late. And I kept hearing the story from one guy after another about how they thought that Goons were the bad guys until they joined them. So tonight I asked my fleet to X up if they thought or had heard that Goons were the bad guys before they joined, this was the result: https://i.imgur.com/mJCEiS7.gif
I’ve been pondering this, and wondering why people would join the bad guys. Every story varied but often people had tried other things and were unhappy and Goons were an unhappy choice initially but once they were in they saw how things actually worked and were happy with it. Some ended up by chance through a corp moving or just a friend invited them and that overcame their doubts. The point was that even though they heard we were the bad guys once they were here and got to experience our culture they saw it was different than what they had elsewhere. That’s partly why I think a lot of our guys are really passionate, they feel unfairly attacked.
Now I’ve come a long way, but I want to address the 5 ton elephant in the room: The Mittani. I’m very aware that he said something stupid almost a decade ago. I addressed my thoughts in much more depth here. I don’t believe it was said with malice, but it still was an awful thing to say. However in my time interacting with him he’s always been a very passionate guy but I’ve never seen him suggest an untoward thing. He wants to win, he wants to use whatever legal way possible to do it and he’s a guy who’s shown a lot of growth personally. If he wanted to do something I thought was immoral I would hear about it and I wouldn’t support it, but I’ve never once been put in that position.
I think a lot of you don’t understand that he’s a wrestling promoter. He can’t help but play a heel. He’s fantastic at it. And he’s fantastic for the game, lots of you guys on the other side want to win so you can wipe the smug smile off his face. This is awesome. More leaders should be like this, there are a few I really would like to do the same to (or have done in the past) and it’s great to have people that motivate you to fight them. The worst thing for this game would be a bunch of staid boring diplomats who didn’t inspire any vitriol. This game is about fighting after all.
Another good thing about Goons and the Imperium is our diplomatic stance, although I don’t want a bunch of diplomats running the game I am very keen on keeping our words and Goons have done this more than any other group. Sister Bliss was talking with me about why Init has stuck with Goons and he said something about how every other group in the game had promised Init the world then screwed them when it was convenient and Goons were the only one who stuck to what they said and he values that.
A few quick more bullet points:
So, that about wraps up my voluminous tome. What should you do with this information? Well, I hope no matter what side you were on you found it an interesting read. I’m not trying to convince anyone to not fight us. Jay and I were talking right as the war was starting about how we were in the perfect spot, no one expects us to win so if we do it’s more credit to us but if we lose it’s to be expected. If we end up back in an NPC station then I get to just replay my favorite time in Eve ever. But I hope I have shown you a little bit about why I believe Goons are one of the best alliances in the game right now, thanks for reading.
submitted by Eve_Asher to Eve [link] [comments]

Governor Sisolak Press Conference 12/13/2020

Here's the update, typed as he was talking, apologies if I missed anything.
NO FURTHER SHUTDOWNS ANNOUNCED! Pause is EXTENDED through 1/15/2021.

submitted by Saigonic to vegas [link] [comments]

Gamehost (TSX: GH)

I wanted to share with the group some due diligence and speculation I have done around Gamehost (TSX: GH). I want to start by saying that this is not a situation where you urgently need to buy this right now and ride up a wave, there will be no rocket ships on this post and I strongly encourage you to perform your own due diligence and see if you want to buy this stock. This is an extremely low volume stock and if you rush to buy it, the price will go up far past the supply of sellers. I do not intend to pump this but only to get critique.
Gamehost is an owner and operator of 3 casinos located in Alberta, 2 hotels in Grande Prairie and a retail store rented to a liquor store near one of the casinos. The 3 casinos are: Boomtown Casino in Fort McMurray, The Great Northern Casino in Grande Prairie and the Deerfoot Inn and Casino in Calgary which they own 91% of currently.
As you probably guessed by these locations, the casinos are cyclical and make a lot of money when oil prices are up and go through downturns when prices are low and projects stop. All 3 casinos are not destination type casinos like you would find in Las Vegas where people come from all around to visit, but are very reliant on their local communities. The Boomtown Casino is the only casino in Fort McMurray and the Great Northern Casino is the only proper casino in Grande Prairie with a much smaller limited one in town. The Deerfoot Inn and Casino is 1 of 7 (yes, 7!) casinos in the Calgary area. It primarily focuses on the Southeastern portion of the city and the surrounding suburbs and still serves a market of about 200,000 people in just that area. All 3 casinos are also very focused on live events and have become gathering points for live events and nights out for their communities.
Although all 3 casinos have been affected by oil downturns all 3 communities they serve have much higher median income than the country as a whole. The casinos have remained profitable throughout the entirety of the oil downturn and despite a dividend cut in 2016 they have still paid a consistently strong dividend until the COVID-19 pandemic (more on this later). Grande Prairie’s economy is more focused on natural gas extraction which has been consistently profitable. Calgary as a major city does have a diversified economy as well which leaves just Fort McMurray to be the lone straggler in dealing with oil prices. No new casinos have been built in Alberta since 2006, which has left people still coming to the doors of the casinos regardless of the economy. All three cities have seen consistent population growth greater than 10% from 2016 according to Statistics Canada’s estimates which is far greater than the national average. People are still coming to these cities and are still making a fairly high wage compared to the average Canadian.
The second thing that has likely come to your mind is why casinos when they have been shut down during the pandemic? As the vaccine is currently being implemented the orders will not last forever. When the casinos have been opened even with reduced services, they have remained profitable and the management has responded by using the pandemic as an opportunity. They have been consistently buying back thousands of shares every day and cancelling them. If you look at their SEDAR profile you can see that they have not missed a single day to cancel at least 2,000 shares per day. Since the company had 24.5 million shares issued, they have bought back about 1-2% of the float so far which has made the stock even harder to buy on the open markets due to the lack of volume. They have also been approved to expand the operations of the Deerfoot Inn and Casino which should be completed by the summer. The insiders have followed by accumulating many shares in their personal accounts over this period of weakness.
In the third quarter of 2020 the company posted EPS of 12 cents per share down from 16 cents a year ago. Revenue was down to $4.9 million from $6.7 million. This is with severe restrictions and limitations on the amount of people that can come in the casino and what they can do. All live events were cancelled, table games were restricted and yet the company was still making enough money to buy back significant shares and improve their existing assets. The management has essentially channelled the dividend into making the number of shares decrease in a time of strong price weakness.
There is interest in this space since the largest casino operator in the country Great Canadian Gaming was acquired recently for almost double what they were trading for in the spring. Private equity firms have been looking into casinos as a post-recovery play. Unlike companies in airlines or movie theatres, these do not have significant issues staying profitable during intense downturns, they only become less profitable with a sudden surge afterwards.
I am speculatively buying this stock on the idea that as COVID-19 restrictions are gradually lifted there will be an awkward window where people will be back almost to normal within Canada and will have a strong urge to go out and do activities that they have been restricted from doing for months. At the same time they will be unable to travel internationally due to different countries having different vaccination schedules, planes still operating at reduced capacity with many airlines being in trouble and governments being reluctant to remove limitations abroad. This will significantly bring business to casinos and other live event focused businesses within Canada. I anticipate that in the 12 months past restrictions being lifted that the business will see a significant bump in EPS. They will reinstate the dividend and the share price will grow significantly. My personal price target is $12 per share but I could see it being anywhere from $10-$15 per share. This is without oil prices budging at all.
In the long-term the price will be cyclical based on oil prices unless they start diversifying geographically. It is extremely difficult to get a licence to open a casino, which leaves the company with the only option of acquiring other casinos. This is a possibility down the road but something I will look more into once I see a significant bump in EPS due to increased demand.
I do believe that in the current market with the price having barely recovered from the March lows, that the stock is a very good contrarian play in the 12-24 month range. Holding after that could potentially be risky depending on your own views on how the oil industry will play out and if the management has what it takes to diversify. Online gambling is an even longer term threat but since these casinos are focused on live events and have become a staple of the communities that they are in, this is not likely to be a threat for some significant time.
Please let me know what you think, feel free to criticize. If you guys like my analysis I could do more on other small or mid cap companies. There have been a few I have kicked myself over missing.
submitted by Shoopshopship to CanadianInvestor [link] [comments]

I FINALLY MOVED!!!

I did it guys! I made the jump after almost 19 years rotting in this terrible place. My mom is a HORRIBLE, HORRIBLE human being. She stole my savings many times, she used my credit card on her online casino game. She called me names after I came out as a lesbian, and she gaslighted me on a daily basis after her marriage failure with the man who wanted nothing to do with us. She is probably the most pretentious bitch among her church group. I’m sorry to religious folks but that’s my truth. I couldn't wrap my head around her philosophy either.
Turned out, leaving this prison wasn’t as hard as I thought! I was over-complicating things all these years!
I mean, yeah my way of leaving for a new rent-free place is low. It is low. But it’s also the last resort as well as the most brilliant idea I’ve ever come up with: I simply slept with the landlord.
He and I met in the different part of our city, not at my place nor his. He’s married, and this is one way to not be recognized, I thought. I was being paranoid thinking that someone I know would see me sleeping with a landlord.
So at 9PM at a hotel last Friday, he came on time, and he came inside. Judge me whatever you like, but during our sex the only thing I could think of was that I’m about to be fucking free from my misery.
As he was sleeping, wraping his arms around his pillows and snoring his brain out, I made the move. I packed everything I needed, and exited through her nostril. I moved as slowly as I could, so I wouldn’t wake him up. I wiggled my way up to his nose canal, and into his skull. There I dissolved and ate his frontal lobe, the part that controls voluntary movement and emotions. Then I attached my body to this new brain - my new home!!!
After setting all up and getting comfy, I slept like a log 'til almost noon.
Before leaving the hotel, I took a last look at my pathetic past. She was breathing and sleeping tight, her face serene. Without me, she wouldn’t be able to move nor express emotion, but that wouldn’t be my problem no more. Nobody dies.
In this new skull, there will be a lot of things to get acquainted to. The New York voice accent, the movement and anatomy of a man, the memories and responsibilities of a husband and a father. But hey, being a parasite who enjoys fucking girls isn’t that bad. Maybe his wife would love him even more, now that I've hijacked his body.
Cheers to my first ever moving, and no matter how many more to come!
submitted by Devenery to shortscarystories [link] [comments]

Reminder to the community ...

to keep on pushing.
Many people visit this sub and post after a bad loss. I’ve been there ... we all have. What’s going to happen is after 5-10-20-50 days of not gambling you’re going to feel so accomplished that you’ll have the urge to reward yourself by playing a few hands or betting a couple bucks (or thousands) on the Super Bowl. You need to remind yourself why you are here.
Take control of your future and your finances. When you are gambling the difference between $1 and $1000 means nothing as you are so numb to monetary value. “What’s another $1000 bet considering I have already lost 40 times that?” is something I would say to myself before unloading on another game. I am not a financial advisor, but I have experience in economics, finance, and life and feel I can provide some insight as a recovering addict.
My situation is a bit different so I will give some insight and feel it’s best to explain my situation.
I’m 25 years old and live at home (COVID). I have lived on my own in the Big Apple and have seen both sides of life. One where your parents cover everything and one where you have daily and monthly expenses like rent, utilities, and food. Currently I’m lucky enough where I don’t have expenses, but being the dumbass I was, my expense was paying the bookie. I know many people don’t have the same luxury as I, but it doesn’t mean you can’t still save. I’ve given up the last 2 years of saving and instead gave into this disease.
1) first thing first, personal ban yourself from casinos or online sites. My vice was sports and I had a chat with my bookie and let him know I was struggling. We were able to settle the debt for about half of what I owed. Just ask, it can’t hurt.
2) before you can save you need to pay off whatever outstanding debt you have. Credit cards and fees will continue to build. Once these are at or near $0 you can begin the rebuild. I have (thankfully) never been in debt, but this is certainly where I would start if I was.
3) create a budget. A tight one, to the dollar. Mortgage? Phone? Car? Food? High level looking at the entire month, decide what you can spend and what you can save.
4) CONGRATS!!!! You are debt free. For whats it worth, I will consider phone bills and car payments for what they are, monthly expenses. Factor these into a budget. For some, this step might take 1 month or 10 years. Patience is key.
5) the first exciting part of this whole thing is quitting, the next is clearing of any debts, and now for the grand finale. You can now start to build wealth and add to your future. Depending on your financial security you can decide to add to your savings or opening an investing account (I use Fidelity). Investing in low risk ETFs will continue to gain and gain and gain.
6) if your company offers 401k and match, DO IT. I can’t stress this enough, it’s free money that you can’t touch. Over 3 years of working my 401k has absolutely ballooned. My company matches as well and I can’t withdraw, only add. It’s the perfect scenario for someone still learning how to control their financial future.
7) sit back and watch your money grow. Once you see gains in your investing accounts, you will become invested in learning about different ETFs that it will become a low risk way to “gamble”.
Hope this helps. Be patient. The damage is done and the recovery will take some time. Use your new time wisely, you’ll have a lot of it. As someone who constantly bet on sports, I’d sometimes spend 6-7 hours a day watching college basketball games I normally wouldn’t care about or sweating doing research on how to make back the money I lost. Spend this time to learn new things, pick up a new hobby, and apply to new jobs/opportunities to advance your career and increase your salary.
Most of all, be excited. Be excited about a life without lying to loved ones, chasing loses, owing people or institutions money. Be excited for a life of stability, even if it takes years to arrive at that point. Don’t let the past you define your future. It is never too late to recover. There will be a point where you’ve made so much progress you think you can go back as a changed person. You can’t. Use whatever you can to remind yourself.
One thing I want to add. The most difficult part for me is dealing with the constant regret of losing money. My parents certainly think I’m better off than I am and my bank account could look far better. What helps me is thinking about how fast time flies and how fast you can rebuild if you set your mind to it. Another thing is not comparing myself to others. I always think about how far ahead my friends and classmates are, but in reality everyone deals with different vices. I’m not big into buying material things or smoking, but many people do. These cost money. A lot of it. You really don’t know what other things people are dealing with. I look at gambling as an investment gone wrong.
submitted by mrdonnyjohnson to problemgambling [link] [comments]

A return to gaming in 2020: catching up on a missed decade.

Prior to this year, it’s no exaggeration to say that the only game I’d played in full since about 2010 was the original BioShock. Not really sure why I stepped away from gaming - probably just some usual combination of life getting in the way and dodgy prioritisation. Then, like many others, I became acquainted with a boatload of surplus indoor time this year, and chose to find my way back with an N3DS and a Switch. Turns out I really missed it. I’ve been slowly playing through a variety of titles I missed the first time around, as well as various others I’ve stumbled across along the way.
In compiling this list, I have learned that my gameplay times are crushingly slow, people have extremely strong opinions about the Paper Mario series and actually it turns out a really poorly specced PC was holding me back from gaming all this time. Would love to hear what others thought of this selection of games, especially those who hold dissenting opinions about my DNF list (I expect plenty in support of Xenoblade, lol). Be warned this is all through the lens of someone who is plainly just thrilled to be back in the fold and has zero concerns spending way more time than necessary to complete games! I suspect I have more patience and rosier-tinted glasses as compared to the average weathered gamer, so would also be interested to hear how my experiences stack up in the wider gaming context.
The Legend of Zelda: A Link Between Worlds Total play time: ~30 hours
Zelda factored little in my adolescent years, and apart from renting OoT a handful of times for the 64 (and spamming bombs in SSB) this is pretty much the only Zelda experience I've had. It's kind of a blessing and a curse, from what I can tell: I have none of the hangups but equally none of the emotional connection that often seems to accompany the franchise. I really only played this because it had been given to me and came highly recommended.
But this was about as good as introductions get - sure, it helped that this was essentially the first console game I'd played in its entirety in over a decade, but the game is clearly exceptional by all accounts. It seems I love a good gameplay mechanic where it doesn't tip into gimmickry, and the wall merge system I found novel, baffling and satisfying without ever being too frustrating.
I obviously can't speak to the nostalgia aspect of it, but coming to it fresh was a charming experience. It's pretty hard not to be at least casually familiar with aspects of Zelda lore, and I liked that there weren't any lengthy cutscenes (looking at you, Ōkami) or tedious tutorials to slog through. The storytelling is a little naff but not distractingly so, and for me the pretty predictable ending was offset by the fun final boss battle. And you sure do feel good solving some of those puzzles.
I'm not yet game to branch out into the open world of BotW, but I'm pretty glad my maiden Zelda foray was this one instead. More games ought to allow one to become a painting.
Highlights: big bomb flower lols, boss battles that were satisfying / a great relief to complete
Ōkami HD Total play time: 50:57:29 Completion %: 50/100 stray beads
I remember seeing promo material for this game back when it was first released and thinking the brush mechanic was dope - a hype disproportionate to the amount of PS2 I owned (none). So regardless I was probably always going to be predisposed to like this game.
This was the first game I finished on the Switch and I enjoyed it immensely. The art style is killer and helps it look great for a game of its age into the bargain, the brush mechanic and the puzzle element it introduces feels integrated rather than gimmicky, and the storytelling is rich and humorous. I know others have commented that the game is overly long, but I enjoyed being in the world enough that it never felt a slog. (This coming from someone who has played 100+ hours of Picross but…)
I will agree that the combat system was pretty whatever, though. I am a pretty rubbish gamer by conventional skill standards and even I found this game wildly easy, but I think that also speaks to my enjoyment of the game as an all-round narrative experience rather than pure mechanics. An additional dishonorable mention for having to fight Orochi no less than three times?! Sure, going back in time was a pretty neat narrative arc and I could forgive repeating the fight in that context, but by the Ark I was sure they had to be taking the piss.
Unlocking the additional skins gives this game some replay potential for me, especially the photorealistic wolf, laughable only in hindsight. The existence of about twice as many stray beads as I collected also means I may dip in and out in future, but mostly I have minimal desire to bring my dragon-head-whacking count up to 48. Nevertheless, a pretty inimitable experience, even if it took me a decade and a half to get there.
Highlights: the dang art style, drawing an emoji face for my demon mask and seeing it show up again in Sei-an City
Paper Mario: Sticker Star Total play time: ~30 hours
I can understand the criticism of this game: the combat system sucks and makes traversing through the world often not very fun, the characters are unmemorable, the necessity of having certain stickers to win certain fights is infuriating, the plot is generic, the lack of levelling up is nonsense. None of that stopped me from enjoying this game, though! Take that! As always, this was probably helped immensely by the nostalgia I carry for the original Paper Mario on the 64 and the fact I hadn’t really had any other Mario games to compare it to for a long time.
The super vitriolic abuse it seems to cop online feels a bit disproportionate but. From poking around the series, it looks like one that people are particularly vocal about, with the only correct answer being “TTYD is the best game in the series and all other future titles will be held against this specific benchmark”. Honestly I’m just glad I played this game without the knowledge of what the gaming community thought of it, because I don’t think this is a genuinely bad game.
Kirby: Planet Robobot Total play time: ~20 hours Completion %: 81%
Evidently I rather enjoy the cute-thing-in-a-mech-suit genre, between this game and Gato Roboto. But I have very fond memories of playing The Crystal Shards and am a Kirby main (lol) in SSB so I could probably be coerced into playing literally any Kirby game. I don’t have too much to say about this game; I think anyone familiar with the franchise will understand pretty much how it plays, but the mech suit mechanic is a heap of fun, with copy abilities possible both in and out of the suit.
There were some little details that I thought were quite fun: the collection of stickers that you can use to decorate your mech was bonus entertainment, the variety of gameplay styles in the final boss battle, the remote control Kirby in the casino levels. It looks great, it’s charming, and as mentioned, I like an idiosyncratic feature that isn’t gimmicky, and I think the mech suit ticks that box. I picked up Extra Epic Yarn off the back of this, too - it just looks so dang sweet.
What the Golf? Total play time: 08:24:56 Completion %: 97% Total strokes: 11656 Games I subsequently want to play: Superhot
If there ever was a time for escapism, the middle of a pandemic seems to be a pretty good candidate, and I am certainly guilty of using this game as a bit of a feel-good salve. But what the golf, it was a grand old time, and I think we can all use the laughs it provides. I bought the game off the expectations set by the trailer and was happily not disappointed.
This is a pretty straightforward game by all standards: simple overworld, three levels per stage, emphasis on silly in "silly physics". It feels like the schtick should get old pretty fast, but there's enough sly nods and references (and straight-up gameplay duplication) to keep it fresh and consistently funny. Caveat: pun disdainers avoid.
It's the perfect game to dip in and out of - none of the stages are particularly long, and while some of the pacrown levels can be a bit frustrating, you're not at all forced to complete them in linear fashion. Nevertheless, I played this game in pretty lengthy stints, so the format isn't a barrier in that sense either.
I know this is a fairly new game to the Switch, but it's been out on PC for a while it seems. I bought it only having seen it in the eShop, so if there was a hype train, it did not make a stop at my station.
Highlights: the Superhot levels, WHAT?, the constant anticipation of what a button press would do in a new level
Ori and the Blind Forest Total play time: 14:44:46 Completion %: 96% Total deaths: 488
It’s something of a classic, and evidently with good reason - I think I would have played this game for its art alone, but of course its reputation has since come to precede it. It runs really smoothly on the Switch, and the platforming is tight and enjoyable. Not sure how common it is in the wider world, but I really liked the save mechanic - as a chronic saver, I rather appreciated being responsible for setting my own save points, especially when it came to some of the more challenging sequences. I expected to struggle a lot with this one but I found the challenges fair, even the escape sequences, much as I may have wanted to burn down the Ginso Tree on the first few attempts.
Feels like most people who’ve had an eye on it have played it by now, and there’s plenty of reviews out there for those on the fence to decide either way, but personally I’m very glad to have played and finished it. I’ve since been told that both the sequel and Hollow Knight eclipse this game, though I do have some idea of what to expect from both. Now if Will of the Wisps could just get a Switch port...
Mosaic Total play time: ~3 hours
I’d been wanting to pick this game up because a friend of mine had a hand in its creation, but I kind of could not have picked a worse time for it. Without spoiling anything, the premise of the game is being stuck in a very boring corporate dystopia, and a lot of the gameplay revolves around the repetition of your daily routines. Obviously this kind of experience can already be a little harrowing at the best of times, but in the middle of a global pandemic where time feels completely immaterial it was often a bit much.
Certainly the gameplay won’t be for everyone; there is a lot of walking around in this game, and you can interact with various depressing billboards and your smartphone in ways you think might have some kind of a purpose but ultimately formally contribute nothing to your game - so in that sense, it’s kind of a bang on expression of its premise, though its messaging can be a little on the nose at times.
If you’re into the visual style and can get down with the premise, this is a unique gaming experience which is both lovely and deeply unsettling at times. If you’re at all curious, the website gives a fairly clear mission statement of the game.
Gato Roboto Total play time: 05:23:28 Completion %: 78%
Short and sweet, this one, and looks and feels great. I’d never really picked myself as one for metroidvanias, but this game came onto my radar after Ori and I was looking for a shorter, punchy game in a similar style, and this delivered on expectations.
As mentioned, I’m kind of crap at games, so the difficulty for this one felt about right for me. There were a handful of times the boss battles threatened to tip into frustration, but mostly it was just my timing being off (second stage of the mouse battle in the heater core comes to mind) as well as in the earlier parts of the game where I had just been lax in picking up healthkits.
I’ve seen some complaints about it being too much of a Metroid clone, but you can’t get down with that criticism if you’ve never played Metroid *taps head*. Its short length seems to be another frequent comment, but if you’re going in with expectations suitably managed then I think there’s not too much to fault otherwise. But of course this is coming from someone who has played basically no metroidvanias in their life lol.
And finally, my DNF list:
submitted by theburningflame to patientgamers [link] [comments]

Trading futures ruined my life

Hi,

I have just suffered the greatest loss in my life, and I don't know how to handle it. Here's some backstory:
I'm a student, and I have been investing in cryptocurrencies and stocks for the past 3 years. Investing was going very well for me; I had saved up money from part-time work during university, and I had accumulated a fair portfolio of cryptocurrencies and stocks. At one point, I had about 0.6BTC, and I had about £2k in a wide portfolio of stocks.

At the end of last year, I was invited to a Christmas night-out at a casino with my then work colleagues. I always had a negative opinion of gambling, with my mother being heavily addicted to scratch cards, lotteries, and occasional casino gaming. I told myself "I'll spend this £50 I have lying around in my wallet, and that'll be it." and then I had a few drinks, provided by my workplace. I'm sure you know how that ended, since I am sure that every gambler begins like this. I lost the £50, and ended up sinking £100 more trying to gain it back. I was devastated and in tears, a rather embarrassing moment.
I eventually had to quit my job, since I was going home for the summer to see my mum.

Over the next 2 months, I would end up gambling away £1000 in cash online. It started with small bets (£10, 20, etc.) which exponentially grew as I tried to get each deposit back. I decided that the damage was done, and quit it there, deep into my overdraft. Then I got an email from a betting site, saying I had a £1 free bet waiting for me. I ended up turning that into £1600, and left at a profit, never to look back at gambling again...

...UNTIL!

Altcoins had a strong boom in the middle of this year post-lockdown. I saw this as an opportunity to move some of my investments around. I had put in a few more thousand that I had saved up into one altcoin, and I rode that altcoin up to an equivalent 0.6BTC, with the intent of reaching my goal of owning 1BTC, and never looking at my cryptocurrencies again. I ended up holding this altcoin (hoping it would reach 1BTC) until I was left with £1000. This was devastating. I ended up accepting the loss, and carried on holding this coin for a few more months.

At the same time, I had run out of money. My student loan had finished, I had no income, and I was living off my overdraft again. I had to sell all of my stocks, some of which I had bought right after the market crashed in March, which would've got me sizeable returns had I held them to this day. I however, needed to eat.

I then decided to diversify the £1000 I had left in cryptocurrencies into a few different coins, to try and minimise my exposure to risk. I eventually got impatient, and I saw a bunch of people talking about the futures markets, and I eventually found myself in a Telegram group chat, promising to drop futures trades. These people were posting 70% returns within the space of 10 minutes of these predictions being out. I was bewildered, and I thought "this must be less risky than gambling, seeing as so many of these people are making such extreme returns from the futures market."
Of course, being in this state of desperation, I decided to risk the £1000 I had left, to try and gain my 0.6BTC back. This did not last long. I had lost all of my cryptocurrency holdings on the futures market. That's 3 years of savings and work gone down the pan in the matter of days. The loss is of course, also psychological. Who knows how far those holdings might have taken me in the future if I had sold for 0.6BTC, or if I had not sold my shares?

I then ended up trading away my overdraft, trying to get my money back. I am mentally drained, heartbroken, and in debt. I am also very worried that the feelings I feel will get worse as the prices of the assets increase over time. I can't pay my rent, and I can't afford to eat. I can't look my mum in the eye, and I can't bear to tell her what's happened, since she is not that understanding. I also have friends who know I was investing, and the shame I would feel if they found out I gambled everything away would break me, it makes me want to vomit just thinking about it.
I'm now trying to get another job, and some internship/spring week placements, but I am only getting rejections, which just makes me feel even more worthless.

Thanks for reading. Any questions, advice, or comments are more than welcome.
submitted by Motor_Firefighter_14 to GamblingAddiction [link] [comments]

I am 36 years old, make $66,900, live in Portland OR and work as a Data Coordinator.

Section Zero: Background
Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career.
My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances.
Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me.
At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though.
Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment.

Section One: Assets and Debt
Retirement Balance
If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.
Equity if you're a homeowner
Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.
Savings account balance: $3,073
Checking account balance: $7,800
Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance.
Student loan debt: Traditionally no student loan debt as mentioned in Section Zero.

Section Two: Income
Income Progression (listed as gross income with cost of living area):
High School
College and first “career” job
Mental health break
College (again) and second “career” job
Third “career” jobs

Main Job Monthly Take Home:
Monthly Net (paid bi-weekly): $2,758
Deductions:
Side Gig Monthly Take Home:
No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage.
Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term.

Section Three: Expenses
Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself.
Regular Monthly Payment: $1677.57
HOA: $30/year
Retirement contribution: Nothing additional than what's been mentioned.
Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account.
Investment contribution: None at this time.
Debt payments: $100/month towards TJ's credit card balance of $2,307.
Donations: $10-20/month, usually towards Omaze or Planned Parenthood.
Utilities:
Cellphone: On my parents plan.
Subscriptions:
Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead.
Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement.
Car insurance: $460 every 6 months. Car is paid off.
Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay.
Vitamins/Medications: $20/month
Groceries & household items: $75/month
Miscellaneous (eating out, house purchases, gifts, etc): $100/month

Section Four: Money Diary
Monday
6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed.
9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine.
9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels.
12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice!
1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head.
3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting.
5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us.
10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper.
Daily total: $0
Tuesday
9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving.
11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call.
12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation.
2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research!
5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight?
7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu.
Daily total: $17
Wednesday
1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed.
7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed.
9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it.
12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month.
2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough.
5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio.
6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board.
Daily total: $0
Thursday
7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake!
9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis.
11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly.
12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it.
4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate.
5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal.
Daily total: $583.21
Friday
8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea.
10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard!
11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started.
2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew.
4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby.
8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed.
Daily total: $0
Saturday
9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea.
11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it!
12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves.
4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions.
7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo.
11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch.
Daily total: $54
Sunday
10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues.
11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs.
3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game.
6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3!
10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday.
Daily total: $75
Weekly Total: $689.79
Section Five: Reflections
Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace.
The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress.
Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.
submitted by throwaway_md_182481 to MoneyDiariesACTIVE [link] [comments]

Day 1 of Quitting- My story into gambling addiction

Hi everyone,
This is my first post so bare with me. It may be long so don’t feel compelled to read it.
I am 26 years old and in the midst of the Pandemic, I have been working from home since March. Before September, I would never have thought of myself having a gambling addiction. I remember being on a cruise when I turned 21 and put $20 in a slot machine and lost it and was so angry and disappointed in myself.
Then in September I kept seeing this ad on Instagram for an online casino. One day I succumbed and decided to sign-up because they had a $30 signup offer. I thought, ‘Hey what’s the harm?’ I wish I could go back and slap myself and say don’t do it.
I play through the free $30 and won $500. My whole body felt electrified. That went away when I realized there were wagering requirements (I have never been in/involved with casinos so I had no idea). By the time I met the wagering requirement, I had $75 of withdrawalable money. Still excited I made $75 for free I went to withdrawal, but found out the minimum withdrawal amount is $100. So I kept playing and eventually lost it. I wish I learned my lesson that this will be the reality most of the time.
For a bit of background, before this I was in a decent financial state. Pretty good job for someone my age, lived alone in a nice apartment, had some credit card debt, but overall manageable. I have some mental health problems (Bipolar and anxiety disorders) but received treatment and relatively stable compared to my early 20s.
As the days went on I couldn’t stop thinking about seeing that ‘big win’ flashing on my screen and kept thinking to myself, ‘that $500 could have been mine if I didn’t have that $30 bonus’. So, I decided to deposit $20 and bet low on the same game and won nothing. I felt sick like I did on the cruise.
This particular online casino gives you $1 every day, so for the next week I just played but $1 and won some, but not enough to withdrawal. About a week later, I got an email from the casino saying if I deposit $50, I’ll get an extra $50 with no wagering requirement. The thought of depositing $50 was crazy to me so I just deleted the email and continued with my free $1 a day. After about a week of that, I get another email, deposit $50 play with $200. I scoured the fine print and I only had to play through the extra $150 once, then any winnings I can withdrawal. I still hesitated until Friday night where I had a couple drinks and decided to go for it. Back then, I would say this was one of the most fun nights of my life. I kept landing the ‘fireshot’ feature and winning mini and minor jackpots. At the end of the night I won $1200 USD (I’m from Canada so it would be about $1500 CAD).
My body was so full of excitement I could barely hit the withdrawal button. When I did, I found out they had to verify my account and I had to send in the required documents. After I researched if this was standard for online casinos and researching this casino, I sent in my documents. I went to bed happy, and already had plans on what I was going to buy/pay off with this win. Unfortunately I was too excited to sleep. So I log back in and miraculously (at least to me back then), my $1200 was still there, and playable. So I thought why not play a few more rounds with a higher bet to get an even bigger win? Big mistake. By 3:00am, I was down to $100. I forced myself to stop so I could still withdrawal something. After about a week or two, I resisted playing/betting more and when I logged into my online banking and saw the $120 deposited, I think that’s when my addiction started.
I was no longer satisfied with my free $1 everyday. I started just depositing $20 here and there. On my lunch break or in the evening when I was bored. Then $20 turned into $50 and $50 to $100. After maxing my credit card with no significant wins, I decided enough was enough. And stopped for the rest of September.
Most likely because I had researched so much about online casinos, I had more ads than ever tempting me. One night again after a few drinks, I joined a different online casino. This one was completely different, with better games, a level up feature where you get to spin a wheel after each level and win free spins, cash back or free money, I was hooked again. I put in $50 and lost and was completely broke. So I patiently counted down the days until I got paid. I also sold about $500 worth of video games/consoles I didn’t want to sell, but did to have more money to gamble with.
On payday, I set an alarm for 4:00am when my pay is deposited. This was the first real sign to myself I may be becoming obsessed, but brushed it off. I deposited $100 and won $200. Same story, I had to verify my account but this was done within hours, and I got my money in two days VS a week and a half with my first casino. Stupidly, I put the $200 back in and lost it. I was back to being broke after only two days of getting paid. By the weekend, my credit card payment posted and in my eyes, I had money again.
That night I won most of what I lost back and learned my lesson and withdrew it. When I saw that sum deposited into my bank account, I was ecstatic. I first paid off my credit card I was using to make the deposits, and went out and bought AirPods Pro. I felt rich (even though the win was less than $1000). That evening I wanted to play again, but I had no money. This was the night I learned I could cancel a bill payment within 24 hours. Which I did. And played through all my winnings. Words can’t describe how disappointed I was in myself. I was broke. Credit card maxed. And the only thing I had to show for it were the AirPods. The next day I tried returning them but they wouldn’t accept the return because of their return policy on headphones. I vowed to myself to never gamble again, wrote a note in my phone describing what I was feeling so I could read it if I was ever tempted. That week I fell into a depressive episode. I couldn’t afford groceries, lied to friends and family for not spending time with them because I feared they would want to order food, I didn’t want to admit what happened, so I isolated myself.
That week was what I thought was the hardest. I just stayed in bed signing up to every casino out there for free spins no deposit sign ups to try to fill the void but you never actually win anything on no deposit spins. Finally, my good friend asked what is going on and I immediately bursted into tears and told her I was broke, and my credit card maxed. We work at the same job, and long story short, are both getting $5000 in retro pay because of a expired union contract. She told me she would lend me $5000 now, and I would give her my retro money when we get it in February. This was one of the kindest things anyone has ever done for me. Reluctantly, I decided to accept this kindness and we worked out a budget on how I would not let this happen again. Here’s the thing, and I will never forgive myself for, I didn’t tell her all this happened because of gambling. I was too ashamed and embarrassed.
Life was somewhat normal again for a couple weeks until one night I decide to just put in $100 and see if I can win some of what I now owed my friend back. After $500 lost, those same feelings came back, but worse since I felt I betrayed my friend’s kindness, and that this isn’t the first time this happened.
Fast forward to November - I won again (not nearly enough to recover my losses), paid my credit card and cancelled the payment, lost it all again. Then towards the end of November, my $1000 for rent sitting in my savings account kept calling my name. I have never ever been in a position where I would risk not affording rent, but my addiction was stronger and I lost $500 of it. I had about a week until my rent was due, I had nowhere to turn, I couldn’t ask my friend for a loan because in her mind, and from the few times she asked, I was sticking to my budget. My new way of handling stress was gambling, so I put another $100 in and won $600. I was saved and again vowed myself to never put myself into this position again and ‘quit’.
Now it is December, I guess this is my rock bottom. Not nearly as bad as some people’s, but here it is. I took out another credit card for ‘emergencies’ since my main one is maxed. I was good, and didn’t use it except to buy a few groceries which I swore I would pay off on payday. My mental health declined, and I deposited $100 and lost it. Then another $100. Lost it. Made another ‘promise’ to myself to stop and I did until last night. I now owe $1,000 on the new credit card, and my main one is now in a negative balance because of a subscription.
I am a liar, I take advantage of people’s kindness that I didn’t deserve in the first place, and now in more credit card debt than I know how to deal with. All I can wish for is I’ve learned my lesson. That the money I lost I will never get back, and to find some way to fill the void gambling has left in my life. After only the first day, I don’t know what will give me that feeling of excitement, the feeling of being alive. I had all my casino accounts deleted this morning, but I know there are more out there, I just really hope I can stop myself from ever going back on this path.
If you made it this far thank you for reading. If you have any suggestions on what I can do to not relapse, and any hobbies or activities that can fill the void please let me know.
submitted by evguy789 to GamblingAddiction [link] [comments]

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