Categories
Uncategorized

Keeping Your Head When All Around You Are Losing Theirs – Positive Reasons to Quit Cannabis

Have you seen the film ‘Reefer Madness’?

‘Reefer Madness’ is an old black and white movie that was released in 1936. In reality it is nothing more than a propaganda vehicle that drives home the message cannabis leads to insanity, aggressive behaviour and sexual deviancy. Owing to its ridiculous and hysterical depiction the movie has since become a cult classic for all the wrong reasons. So much so that it is the butt of sniggers and giggles the world over. I might add the effects of inhaling cannabis are innocent of causing the laughter on this occasion. The film’s embellished message comically attempts to scare its audience with as much subtlety as a machete-wielding psychopath! Rather than persuading viewers to avoid cannabis it provides point-scoring ammunition (even after 70+ years) for the pro-campaigners cause instead. buy weed online

Frankly, the illicit ingredient within your joint, bong or space-cake does not feature highly on the list of dangerous drugs. But whether you are concerned about your mental or physical health, the financial cost, the drudgery of living your life stoned or because you want to distance yourself from your current lifestyle, your reasons to quit are as credible as any. Reportedly, around 500 cannabis smokers in the UK seek out treatment every week. That statistic proves two important things: a) cannabis truly has the potential to ruin lives, and b) you are not alone in your desire to quit.

When cocaine and heroin addicts finally hit rock bottom they have all the reasons in the world to quit. With cannabis the decline is slow and barely observable. Its squeeze upon our lives is seemingly very gentle. So gentle in fact we get used to feeling sluggish and stoned and forget what it’s like to wake up in the mornings bursting with energy and vigour. Instead, listlessness, reddened eyes and drained skin tone become normal. Even when it becomes apparent we should at least consider stopping, the benefits always seem weighted in favour of continuing.

Such is the subtlety of cannabis most people have difficulty deciding if cannabis is their enemy or helpmate. The same drug it appears has the ability to soothe stressful situations and cause stressful situations by way of anxiety and paranoia. Likewise, cannabis appears to be a relaxant yet it’s not uncommon to experience introspective self-doubt and lack confidence in social situations.

It’s the subtlety of cannabis that also creates the confusion over whether we are simply in the habit of smoking too much or psychologically addicted to it. Whatever the truth of the situation is, it’s all too easy to trudge through your teens, twenties and thirties permanently stoned; yet feel terminally bored and deprived of fun and relaxation without it.

Categories
Uncategorized

How To Get A Credit Card No Matter How Bad Your Credit Rating

Credit cards come with a host of features and benefits – a good reason why credit cards are a popular phenomenon. If you are looking to apply for a credit card anytime soon, here are 10 things you definitely need to know. These points will give you a better understanding of how credit cards work and what you can expect from them. Digital goods

Annual fees on credit cards

All credit cards offered by banks (at least a major percentage of them), come with an annual fee. The annual fee mostly varies from one card to another, even in the case of cards offered by the same bank. Usually, Premier cards that offer better benefits than normal cards come with a higher annual fee.

While the Primary card almost certainly comes with an annual fee, supplementary cards also come with an annual fee in most cases. Sometimes, the annual fee on the supplementary card is waived for the first year or so – this is to keep the card more competitive and in-demand. Certain banks waive the annual fee on the primary card as well – for the first year, or first two years, or longer.

Annual rate of interest

All transactions you make using your credit card attract a certain rate of interest known as the annual percentage rate of interest (APR). The interest rate is dependent on the bank that’s offering the card and the type of card. The interest rate for most credit cards is Singapore is between 23% p.a. and 30% p.a.

Banks allow for an interest free period of about 21 days from the release of the statement (again, this depends on the bank and the type of card) and don’t charge an interest if the amount is repaid in full within this interest free window. If the amount isn’t paid before the end of the interest free period, interest charges will accordingly hold applicable.

Cash advance charges

Credit cards enable customers to make emergency cash withdrawals from ATMs. These cash advances carry a handling charge of about 5%-6% of the withdrawn amount, besides interest charges that fall in the range between 23% and 28% p.a. Interest on cash advances is computed on a daily basis at a compounding rate until the amount is repaid in full. Cash advances are usually a risky phenomenon, mostly considering the high interest charges. So if you withdraw money using your credit card, it is advisable that you repay the amount in full at the earliest.

Minimum monthly payments

As a credit card customer, you are required to pay a minimum amount each month – or the entire amount if that’s possible – amounting to 3% of the total monthly outstanding balance. Minimum payments need to be made by the payment due date if late payment charges have to avoided. The minimum payment in your credit card monthly statement can also include pending minimum payments from previous months, late payment charges, cash advance charges, and overlimit fees, if they hold applicable.

Late payment charges

If the minimum amount isn’t paid by the payment due date, banks levy a certain fee, commonly referred to as the late payment fee. The late payment fee for credit cards in Singapore can be anywhere in the range between S$40 and S$80, depending on the bank offering the card.

Overlimit fees

Overlimit fees hold applicable and are levied by the bank if the allocated credit limit is exceeded. Overlimit fees can range between S$40 and S$60 for credit cards in Singapore.

Cashbacks and reward points

An aspect that makes credit-cards a pretty exciting phenomenon is the reward points/cashbacks that can be earned on purchases. Different cards are structured differently and allow you to earn either cashbacks or reward points or both, on your purchases. Some cards allow you to earn reward points on groceries, while some other let you earn cashbacks or reward points on air ticket bookings, retail purchases, etc. Cashbacks and reward points are features that are specific to certain credit cards and the extent of benefits depends on the type of card and the bank offering the particular card. Reward points earned on purchases can be converted into exciting vouchers, discounts and attractive shopping/retail purchase/online deals from the card’s rewards catalogue.

Balance transfers

Certain credit cards allow you to transfer your entire credit card balance to that particular credit card account, enabling you to consolidate your debt. Balance transfer credit cards come with an interest free period of 6 months – 1 year, depending on the card you’ve applied for. In the case of balance transfer cards, banks charge a processing fee and might also charge an interest (unlikely in a majority of cases). After the interest free period (6 months – 1 year depending on the card), normal interest charges on the card are applicable for transactions and cash advances.

Air miles programmes in Singapore

Certain credit cards (mostly premium credit cards) offered by some banks in Singapore allow you to earn air miles by converting your reward points earned on purchases using the card. Usually, air miles cards come with a higher annual fee owing to their premium nature. As a customer of a premium credit card, you can accumulate enough air mile points to completely offset your next vacation!

Credit scores

In brief, your credit score is a projection of how well you’ve managed your debt in the past. It takes into account your payment patterns and records instances of late payments, credit overlimits, loan defaults, history of regular/timely payments, etc, and gives banks an idea of how good you can be at handling debt in the future. A good credit score is vital to getting loan applications and  applications approved.

The above mentioned points will come in handy if you are contemplating applying for a credit card. These aspects will give you a comprehensive understanding of how credit cards work in Singapore, giving you a better idea of what you can expect. These will also work if you are not happy with your current card and are looking to switch over to another credit card as well.

Categories
Uncategorized

Tools You Need When Starting Your Own Gambling Website

Legal minds turned to Internet gambling laws as a specialty when the industry went beyond growth and exploded into the public mind. “The law surrounding Internet gambling in the United States has been murky, to say the least,” according to Lawrence G. Walters, one of the attorneys working with gameattorneys.com.

In contrast, Internet gambling laws in the U.K. have made the lives of providers and players a bit easier. The passage of the Gambling Act of 2005 has basically legalized and regulated online play in the U.K.

With the objectives of keeping gambling from promoting “crime or disorder” the U.K. act attempts to keep gambling fair, in addition to protecting younger citizens and others who may be victimized by gambling operation. Unlike the United States, which still clings to the 1961 Wire Wager Act, the U.K. significantly relaxed regulations that are decades old. A gambling commission was established to enforce the code and license operators.

A Whole Other Country

According to Walters and many other observers of the Internet gambling laws scene, the United States Department of Justice continues to view all gambling on the Internet as illegal under the Wire Act. But there are details in the federal law that defy attempts to throw a blanket over all online gambling. ลิเวอร์พูลเอาชนะเอซีมิลาน

The Wire Wager Act forms the basis for federal action on Internet gambling laws in the United States. The law was meant to complement and support laws in the various states, focusing primarily on “being engaged in the business of betting or wagering” using wire communication to place bets or wagers on sporting events or similar contests. The law also comments on receiving money or credit that results from such a wager. The keys are “business,” “money or credit” and “wire communication facility.”

But as many attorneys and proponents of fair Internet gambling laws emphasize, the federal law does not specifically address other forms of gambling. This has left the law open to interpretation when it comes to online casinos specifically and using the World Wide Web to play online games.

October 13, 2006 is a crucial date in the controversy surrounding the legalization of gambling. For anyone wishing to understand Internet gambling laws, the federal law passed on that day is essential knowledge. President George W. Bush signed the Unlawful Internet Gambling Enforcement Act (UIGEA), which is intended to limit some “financial transactions” used for online gambling.

But even if current federal gambling laws can clearly define something as simple as a legal gambling age, the newer UIGEA has not settled all the dust raised around the issue of online gambling. Attorneys such as Walters (and many others) have pointed out that the UIGEA seems to refer only to financial transactions and wagers that are illegal where the wager or transaction is made. Some wagers may be legal while others may not be legal. It’s as simple as that.

The UIGEA had some effect on Internet gambling, in that many successful companies got out of the business, at least in the United States. In fact, with the passage of the law in 2006, most U.S. online players found they could not play at an online casino or poker room, for a short time. Many of the gambling providers found ways to establish offices and servers outside of the U.S. so that could invite United States players back in.

Break Time

It’s now time to stop, take a deep breath and turn to Internet gambling laws in the various states. Some have passed their own rules and regulations (before and after UIGEA). In a few states, companies cannot operate an online gambling business. In other states it is illegal for an individual to place a bet using the Web. Some legal experts argue that these individual-state rules are unconstitutional since commerce across state lines should only be regulated by federal law, not state law. Commercial online gambling businesses don’t operate in the United States, however. If you want to visit their “home offices” you may have to travel to Malta, Gibraltar or Curacoa.

The 2005 U.K. law generally allows remote sites such as these. The rules are not so relaxed in the U.S. However, a recent appellate court ruling in the U.S. states that, in at least one case, an Web-based gambling site did not violate states laws. Most legal minds urge gamblers and others interested in the issue to stay tuned.

Some have given their attention to finding benefits of legalized gambling, noting that this huge industry might be a key to economic recovery in the United States. At the heart of their argument are examples such as established lotteries run by various states, in addition to the government revenues that flow in to state coffers from riverboats and land-based casinos.

Part of this effort rests on the shoulders of more than 100 legal representatives working for common sense in Internet gambling laws. This hoard of attorneys has the task of trying to keep the World Wide Web/Internet free from government intervention.

Bob Ciaffone is considered one of the experts on the subject of gambling and poker in general, and on the transition to online gambling. He suggests that any regulation of Web-based gambling should reduce competition from outside the U.S., so that the citizens of the U.S. would benefit in legal gambling states. His detailed plan would parallel the U.K. situation since that country passed its 2005 rules. Ciaffone also strongly urges U.S. lawmakers to keep Internet gambling laws separate from the 40-year-old Wire Act, which was passed to control illegal gambling over the telephone.

In essence, Ciaffone writes that the UIGEA attempted to do the right thing, but does it in all the wrong ways. The restrictions have severely handicapped what could be a great revenue source with proper regulation, according to Ciaffone.

Consider a statement on the UIGEA from the most-recognizable poker player in the world, Doyle Brunson. Though is comments apply to his favorite game of poker, they can easily relate to all Internet gambling laws. He said, in essence, that his company received good legal advice that indicates Internet poker is not “expressly” illegal. He encourages U.S. players to learn the laws of their own state.