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Surviving the National Lottery – Football Pools Strike Back

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The concept of the football pools dates back to Liverpool, 1923 when the late Sir John Moores printed off and distributed football coupons by hand after football matches. Fixed-odds betting on football matches had actually been in existence since the 1880s when newspapers in England began to present fixed prices on football matches. However, the concept of a football pool was radically different to that presented by the newspaper and has stayed relatively unchanged since.

Essentially, whereas the newspaper carried odds on teams to win or a match to end in a draw, the football pools allowed players to predict the results of multiple matches, with their entry ‘stake’ being pooled together. Winners would then be given a share of the ‘pool’ depending on the amount of money in the pool and the number of winners.

The basic premise of the coupon was to amass 24 points from the list of games played on a Saturday. In order to do this, players selected matches that they thought would end in a ‘draw’ and mark their coupon with an ‘X’. The number of selections a player could make depended on the ‘perm’ (permutation) they wanted to play, as well as the cost of the bet. For example, an 8-from-10 perm allowed players to select 10 matches in the hope 8 of them would result in a draw. Players would hand their completed coupons and stakes to a collector or agent, who would send them on to the operator’s office for checking.

Once all the matches had been played, the pools operator would check each coupon and allocate a score to each selection, depending on result of the match. Commonly, draws were awarded 3 points, with away-team wins being awarded a point-and-a-half and home-team wins being awarded 1 point. Coupon scores would be calculated on the highest scoring combination, depending on the perm played and a dividend announced based on the total amount of the pool and the number of winning players – the more players who scored 24 points, the lower the winning payout was likely to be. Meanwhile, pools players would huddle around the TV or radio – coupon in hand – and await the football results being announced.

Football pools co-existed with high-street bookmakers, who provided much more specific betting opportunities on football matches and horse-racing. While the growth of the football pools had no adverse effect on bookmaker turnover, the easier access to gambling provided by bookmakers did not affect the football pools business either. In fact, many gamblers combined the two elements, contributing to the success and growth of both industries.

However, with the introduction of the National Lottery in 1994, the numbers of people who played football pools began to decline and threatened the pools operators’ long-term future. In fact, immediately prior to the launch of the National Lottery, there was an estimated 10 million football pools players but the introduction of the National Lottery has seen the loss of around 90 percent of football pools customers – lured away by the potential huge lottery jackpot. This is despite football pools still holding a potential payout in excess of £1 million!

In order to survive, football pools operators were forced to consolidate and regroup, which saw some of the major operators amalgamate into a single, larger entity. Furthermore, with the introduction of the internet and online gambling, football pools operators also cast their nets wider in an attempt to entice a greater range of customer.

Nowadays, the websites of football pools operators are about more than predicting the results of football matches. These sites now offer players the chance to play a range of worldwide lotteries as well the opportunity to play online bingo [http://www.vernons.co.uk/info/online-bingo] with other players around the country, or even test their knowledge across a range of quizzes as well as the possibility of an instant win ‘scratchcard’. This is all in addition to the game that made the football pools operators a household name to begin with, and was the source of much excitement on Saturday afternoons gone by!

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Why You Need a Bankruptcy Attorney

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If you’ve found yourself sinking in debt, bankruptcy can start to look like an attractive option. Yes, you will lose credit and assets, but you will also be able to pare down your debt and get relief from harassing creditor calls. Some people try to file bankruptcy without the help of a lawyer, but there are some very good reasons why you shouldn’t attempt that.

Bankruptcy Law is Complex

First off, there are several different types of bankruptcy: Chapter 7 and Chapter 13 for individuals, Chapter 11 for businesses, and Chapter 12 for farm owners. Knowing which type of bankruptcy to file for is imperative. Too many individuals who try to go it alone end up filing for the wrong chapter, which results in the loss of valuable assets or in some key debts not being discharged.

A bankruptcy attorney can advise you on the type of chapter that fits your situation the best. He will also be able to inform you of potential tax consequences and asset losses you will face. For example, will your house and car be taken in the bankruptcy or will you be able to keep them? A bankruptcy attorney might be able to help you exempt certain assets, such as your house, from being taken.

No one besides a lawyer is allowed to give you legal advice. If you’re trying to do it on your own, you’ll have a difficult time getting answers.

Bankruptcy Forms are Complex

Have you ever tried to fill out a legal form? It’s complicated. In a bankruptcy, it’s easy to miss required forms that affect your case. There may be up to 20 forms that you need to file. Chapter 11 bankruptcies for businesses are especially complicated.

A bankruptcy attorney can show you how to fill out forms or even fill them out for you. In the legal world, if a form is filled out incorrectly or is missing information, it can hurt your case. It can cause your case to get dropped or subject you to fraud charges, in the event that the bankruptcy trustee finds out that you left out information. Everything you state on a bankruptcy form is filed under the penalty of perjury. It’s serious business.

Bankruptcy Procedures are Complex

When you’re navigating bankruptcy court by yourself, you’re responsible to read up on the proper procedures. Which form do you file first? Where do you submit your forms? How soon do you need to file them? Have you met all the eligibility requirements? Yes, you’ll need to qualify to file bankruptcy.

Self-filed bankruptcy cases frequently get dismissed due to administrative errors-failing to file the right forms in the right time frames, failing to provide documents, failing to show up at the meeting of creditors, failing to make payments on a Chapter 13 plan, and more. A bankruptcy attorney will keep you on your toes.

Bankruptcy is a last-ditch option to resolving an insurmountable financial crisis. While it’s not an easy process by any means, it will be much easier with a lawyer at your side.

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Jase & Rodo’s Kimberley Fishing Adventure

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When I first heard of Jason Andrews and Rodney Quinton and what they were doing, I was filled with both excitement and trepidation. The question was, do we have two modern day adventurers in the making or do we have a couple of cowboys just having a laugh?

After tracking down and talking with the boys and watching their DVDs, I found my answer.

I was excited about the rawness and veracity of what they were doing, what you see is exactly what happened – no camera crew, no production company and no script. I offered to write a review series for them, detailing their adventures, so here we go.

Part One

Jase and Rodo, based in Noosa, Queensland, towed their boat through Central Queensland, into the Northern Territory and finally into West Australia to reach those special parts of Australia that remarkably, few people get to see.

The 4X4 and trailer were already showing signs of an outback adventure, but the truth was that until they leave the 4X4 behind in a safe location and launch the boat, then would the real fishing adventure begin.

Clocking up the kilometers along the Tablelands Highway and then on the Carpentaria/ Savannah Highway they finally reached King Ash Bay on the Macarthur River. After a good night’s sleep and a final check of the gear, the boys would launch the boat in King Ash Bay and then set a course for the Sir Edward Pellew group of Islands.

The early morning sun was getting higher; the temperature was a balmy 32 oC (89 F) and the breeze was barely enough to cause a ripple on the sea. Being late September, Spring in the Southern Hemisphere, the humidity was a mere 76% – a far cry from ‘The Wet Seasons’ 95+ %.

The first stop was the river mouth at a spot known locally as Sharky’s Point. There, they caught a few nice Barramundi. The fishing was ideal with calm waters, a slight breeze that helped stay cool, plenty of fish on the bite and no mozzie’s! (mozzie is Aussie slang for Mosquito) Enjoyable as the fishing was, now was not the time to stock up on fresh fish.

The next stop was David Island nestled between the much larger North Island and Vanderlin Island to the South. David Island is extremely small and belongs to the Yanyuwa Aboriginal People. The Island is essentially a rocky out-crop with a small sandy beach on one side and is only a speck in the ocean, but since they were told the fishing was outstanding, they had to give it a go.

The run from King Ash Bay out the Macarthur River to David Island was around 32Nm and since the water was glassed-out the 150hp made short work of the distance.

Once at David Island, Jase & Rodo were flicking their favorite hard body minnows pulling up Cod, Trevally, Queenfish, small sharks and the occasional Mangrove Jack although there was not many Barra about. What they actually needed was fresh bait, so they found a sandy stretch over on North Island and Jase threw the bait net while Rodo kept an eye out for crocs.

The crocs to look out for in this part of Australia are the Estuarine Saltwater Crocodile, as opposed to Johnson’s freshwater crocodile. Saltwater crocs are more than willing to swim from the mainland to any of the outer islands and North Island is no different!

With a good supply of live bait, the boys headed out to a shoal located 30 Nm out from the Sir Edward Pellew Island group and there they got stuck in to some non-stop fishing action, catching everything from Chinamen to large Trevally, Shark and Red Emperor.

The sounder was glowing with massive schools of Tea Leaf Trevally in the 6 to 8 Kg range. They were guaranteed a fish every drop! It was hot – in fact it was 42 oC hot and the Trevally were just as hot!

By late afternoon the mozzies were getting thick due to no wind so the boys found their way back to North Island to set up camp which comprised only of a fire and their swags. (a swag is a thin mattress and a sleeping bag all in one) For dinner they ate the Trevally they kept and Oysters that they found on the rocks as well as Damper that Jase made in the camp oven.

The next morning they had a proper look around the Island scouting possibilities for next time they visited before heading back to King Ash Bay.

In the next article, the boys head for the West Australian border and get in to some bother in the – now dry – Pentecost River by breaking an axle!

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Legal Practitioners

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The council should be careful in performing his professional duties. If a counsel, by his acts or omission, causes the interest of the party engaging him, in any legal proceedings to be prejudicially affected, he does so at his peril.

In India, Section 5 of the Legal Practitioners (Fees) Act, 1926 provides that “no legal practitioner i.e. advocate, vakil, pleader, mukhtar or revenue agent, who has acted or agreed to act shall, by reason only of being a legal practitioner, be exempt from liability to be sued in respect of any loss or injury due to any negligence in the conduct of his professional duties”.

In Somasundaram v. M. Julius Meichior and Co., [(1989) 1 All ER 129 (QA)1, the plaintiff who had been goaled for an assault upon his wife, sued his solicitors, alleging that they were guilty of negligence in advising him to plead guilty.

The Court of Appeal upheld the striking out of the action and found it unnecessary to decide whether the solicitor’s immunity from suit extended to the advice given.

In Manjit Kaul v. Deol Bus Service, [AIR 1989 P&H 183], plaintiff’s husband died in a road accident, filed an appeal through her counsel for enhanced compensation.

The case remained on the daily list for two weeks and then it was dismissed in default because the counsel failed to appear on behalf of the client.

The application for re-hearing of the appeal also became time-barred, because the council did not communicate with the party anything about the appeal for years.

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Affordable Search Engine Submission Optimization Service

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Sometimes it is hard for web masters especially the ones who are just starting out to promote their web sites. This is because they are short in the financial requirements of some quality search engine optimization firms. Yes, it is good to employ the top of the class S E O Company in view of the fact that they provide better service and you will garner a better result. However, it will be more of an advantage to the part of web owners if they can come across to a firm that can give an affordable search engine submission optimization service and quality results.

It is difficult to search out for credible S E O corporations that offer affordable search engine submission optimization service with top quality involve. It requires rigid attempts in the web owner,s part through thorough research and surveys to accomplish such task. The good thing is that once a web runner encounter such firm, they are fortunate enough. Aside from the attribute in which they can take advantage of an affordable search engine submission optimization service they are also assured that the results that they will realize are satisfying. Traffic to their site will surely increase thus boosting the potential of acquiring more accounts.

As we all know submitting a web site to a search engine is the first process to promote your site. However, it does not mean that you have to pass your site to a large quantity of search engines to achieve that. It is costly since not all search engine list a website for free. More often than not they require a standard fee from the site owner to carry out that task. Think this way; internet users often visit the top search engines to find what they are interested in. So it is better if the S E O Company that you will hire will target only the most important search engines that the Internet users frequented. Focus on that and you are ensured of a much inexpensive way to optimize your site and being listed. Quantity does not really matter, quality is.

No firm can guarantee a site owner that they can be on the first pages of a search engine ranking. What is vital is that the S E O firm that you will acquire will do a follow up on the registration process and would also bring in reports to you in a specific time. With that you can track down the progression of your web site into the search engines, lists and you will be able to see if they are doing their job or not.

Now you already know what to look for in order to locate an affordable search engine submission optimization service company. It is an advantage to you if you research the background of your chosen affordable search engine submission optimization service company first with the intention that you can obtain information such as if they are a fine, trusted and credible institution or not. Then if they are, compare the price difference that you can incur if you pick a particular S E O company from another. You can also inquire from your fellow web masters too.

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Measuring Total Customer Experience in a Mobile Environment

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As more and more consumers are beginning to use mobile devices and tablets, we are seeing a shift from personal to a more digital environment. When it comes to improving customer service for your brand, it’s important to pay attention to these technological advancements and what they mean for you.

Pew Research recently conducted a study on how consumers use mobile devices during their shopping experience. The study, conducted one month prior to and one month following Christmas, found that more consumers are using mobile devices to influence decisions. The results showed that 35% of consumers purchased products they found while shopping with their mobile phones in-store and 19% of consumers purchased online directly from their phones.

What does this mean for your business? Consumers are no longer only interacting with your product or service through television ads, their desktop computers or in-store, but they are engaging on a mobile level so measuring total customer experience now needs to include mobile. Let’s take a look at one company that, after trial and error, developed a mobile website that could be seamlessly integrated into the lives of their customers. 

Target’s Road to Success

Recently, Target revamped their mobile website to make it more functional for users as a way of improving customer service. When it first launched, their mobile site was just a duplicate of their website built for mobile. This means the buttons and text were small, making it difficult to press buttons leading through other pages of the site or to purchase products.

Through research and feedback, Target was able to assess and optimize their website for mobile use. This means the site would be made to fit a mobile-sized screen with bigger buttons and easier scrolling capabilities.

Measuring total customer experience is no longer just about product placement, employee interaction and the atmosphere, it now needs to include mobile usage. Here are two steps you can take toward improving customer service via mobile. 

Mobile Improvements

If your company is on Facebook, Twitter or you currently have a website; consumers will be visiting your mobile site as well. This is something you need to be prepared for, whether you’ve optimized or not.

Go Mobile: Factor a mobile strategy into your complete customer experience program. Optimize your current website to be used on a mobile-sized screen. This means bigger buttons and possibly less content depending on the size of your website. You may need to contact a digital company to fully integrate a mobile strategy.

Test Drive: If you’re unsure of whether your current mobile site is user-friendly, consider hiring a mystery shopping company to assess your mobile site, as well as your in-store customer experience. Mystery shopping provides will be able to look at the customer experience objectively and offer actionable feedback that encourages profitable results.

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Forex Review System Trading – How it Can Do Wonders For You

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It is a known fact that for earning profit, a person needs to take some risk also. Not a single business out there is without risks. However, the best part with some of the options is that they are quite profitable and the degree of risk involved in them can be minimized with the help of some tools.

If you take the example of Forex trading, you can get benefited easily by taking the help of a good forex review system trading. Though some knowledge of Forex gained through reading books or the advice of experts can do well for a person, but still for making good profits, there is a need of something extra.

That additional thing required is the forex trading reviews online. These reviews are in fact the experiences of small investors and evaluations of the good financial institutions. Such reviews not only provide the necessary evaluation, they also offer the best comparison that is based on the prime indicators of the market.

The biggest advantage of such reviews is that they enable the person get known to the technical analysis of the performance of various brokers over the past period of time. Thus, they provide a rough idea to the newbie as to when to move in the correct direction. Also, there are some reviews that are provided by veterans that can help a person to understand this trading to some extent. Thus, a person can minimize the degree of risk involved in forex trading with the help of these reviews.

Among other advantages of forex trading reviews, the special advantage of such reviews is that they depict the opinions of investors that are very important for a starter. By assessing these opinions, a person can easily have an idea as to follow which plan of action that can offer greater profit with lesser risks.

Thus with the help of the best forex review system trading, a person can minimize the degree of risk and can earn good amount of money easily.

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