Tuesday, November 17, 2009

Online Gambling

Online Gambling - Successfully Playing The Game

Before you make the decision to gamble online, make sure you have a thorough understanding of how the games work. You may have interest in online gambling because you have certain favorites in regular casinos. Perhaps you want to play online because you do not live near any casinos you can play in. Whatever the reason, make sure you qualify to play by being 18 years or older. Just because it is online does not mean the legal gambling age is waived. Enjoy online gambling opportunities to win money playing poker, blackjack, roulette and more.

Case out a few gambling websites. Just like the fact that you may have a favorite casino in Las Vegas you like to visit every time you are in town, you need to feel comfortable even in an online setting. You may find the graphics and interaction provided by one site are more preferable to you than other sites. Make sure the online gambling site you choose has all the games you like to play the most. There should also be an established secure network to keep your bank information confidential. When you purchase chips, look for bonuses and other special offers you can take advantage of to boost your investment.

Online gambling is the same as regular gambling in that you must have a solid knowledge of each game to be successful. Of course, winning a gamble takes luck, but skill is almost always involved as well. The higher the odds, the less chance you have of winning, but the bigger the win will be. If you play wisely and with patience, it is possible to turn a measly $100 into $1,000, $10,000 or more! The fact that you can make this kind of money playing a game is gambling's biggest draw. Remember, there is no time limit. You can return again and again whenever you want and try your hand. Everyone has bad days, so it is important to quit while you are ahead sometimes.

As you gamble on respected betting websites, make sure you never gamble more than you could afford to lose. Winning big is a fantastic experience, but the depression and desperation that can come from losing thousands is usually not worth a huge risk. Take your time and above all, have fun! Online gambling is a game and is designed to be fun! You have time to make money and you will find that you will most likely see more success if you invest slowly.

By: Jamie Hanson

Article Directory: http://www.articledashboard.com

Sunday, November 1, 2009

Sports Betting

Introduction to Sportsbooks and Sports Betting

A lot of people new to Sports Betting ask me to explain to them the basics of handicapping. One of the most common questions I get is about "Sportsbooks" so I have decided to write a multi-part series about sports betting, sports investing, and how to make sports picks like a handicapper.

Sportsbooks operate by taking wagers. Wagers create income for them in a number of ways. Firstly, most sportsbooks offer a variety of wagers on everything from sports propositions to questions about celebrities and politicians. People can wager on the outcome of games, whether the coin toss before the game will be heads or tails, whether the 1st play will be a run (football), whether the total points of 2 teams will go over a given number or under, whether democrats or republicans will win in any election year, whether a given movie star couple will get divorced or stay together during a given time period. The types of wagers proposed by the sportsbooks are numerous, and the odds vary as well.

But basically any wager deemed a favorite, will have a number like - 110, -165, -300, etc. The negative means it is the favorite, and the number behind it means that is how much you have to bet to win $100. In sports like baseball where there is no spread, if a team is favored to win like the NY Yankees, -300 means betting on them, you must bet 300 to win 100. Conversely, a team like the Colorado Rockies might be an underdog (a team not subject to huge amounts of demand - mostly because they are struggling) may have a line like +250. Now, laying 100$ on the Rockies, pays back $250. This large payout will sway some bettors to take a $100 risk on the Rockies because of the large payout. The -300 Line on the Yankees will back off quite a few bettors who will not want to risk the farm to win a pea ($300 risked pays back $100). So demand evens. and the books will continue to adjust the line until game time, making subtle moves to even demand between both outcomes. once the wagering is close to even, you will notice that

-300 bettors who lay money on the Yankees win the $100 risked by Rockies bettors. If both sides are equal, and Yankees win, the Rockies losses payoff the Yankees winners, who get back their $300 risked plus $100 profit. The sportsbook breaks even.

Now if the Rockies win, they get back their $100 risked, plus $25o because the line was (+250). The $250 is paid for by the $300 lost by Yankee bettors, and the sports book keeps the other $50 which is what we call juice. Juice is the fee for betting. Sometimes the books break even. Sometimes they make the juice. $300 risked on Yankees plus $100 risked on Colorado = $400 in wagers, and $50 profit.

Divide that by 2, because sometimes the books win, and sometimes they break even. In this situation, given both ways the game can end, the books are averaging $25 profit per game for every $400 risked which is 1/16th or about 6% profit per game, based on whatever volume of business they do. Considering the billions of dollars in wagers, over and over again, you can see how taking wagers pays them big money IF they can split the demand properly between 2 teams.

Most people understand this is how the books work, and this is how they make money.

Some sports have spreads like NBA, and NFL, where betting on the Indianapolis Colts versus the Houston Texans means that there will be a line.

For example, Indianapolis as the favorite, again has a negative number - 14.5 lets say. They now have to win by over 14 points to cover the spread and pay their bettors. Houston Texans backers get 14.5 points positive, which means they can lose by 14 and still get paid. Because this spread splits the demand, the money doesn't have to split demand - so the money paid for the most part is even.

Indianapolis Colts - 14.5 pays (-110)
Texans +14.5 pays (-110)

Each bettor bets 110 to win 100, and if the wagers are even on both sides, the 110 lost by the losing team's backers pays the 100 profit to the winning teams backers. $10 is left as juice to the books meaning in this scenario $220 in wagers pays $10 in juice - the books make 1/22 of all the business volume taken if the books balance. That converts to between 4 and 5 percent profit guaranteed.

The sportsbooks goal is to balance their sides, make their juice, and keep customers happy and loyal, by paying ontime, and providing excellent customer service. Then the juice rolls in day after day. You can see that 4 to 8 % profits are small, but considering the huge number of business volume taken, the profits are unbelievable. A 3 hour sporting event can put thousands if not hundreds of thousands of dollars in the sportsbook's bank accounts. It can put Millions of dollars in all of the different sportsbooks accounts across the industry, when you consider the multitude of sportsbooks where people are betting. Not bad for a three hour sporting event, and yet it goes on day after day after day.

For more information visit Sports Betting and Handicapper Picks and get a special offer.

My first experience with sports prognostication was in 1976, when Joe Namath was nearing the twilight of his career. There was a game that year between Namath's Jets and the Miami dolphins. That game changed my life. It was then that I first learned the difference between "Public Money" and "Smart Money". I teach my clients to have the discipline to allow me to identify games where there is at least a six point difference between what the line is and what the line should be. We will then schedule a time to talk and see if we feel that there is a mutual fit...and if there is...I can tell you this...you will never gamble again...you will invest into profitable situations where the question is not if you will win...but rather how much you will profit! Visit my site at A Handicapper Sports Picks

Friday, October 23, 2009

Casino Games

How To Play Casino Even During Recession

With recession just around the corner, it is really a hard time for the people out there to look for entertainment. In fact people don’t have time and money to spend on any of the entertainment options. So what can people do if the entertainment pays them? Are you wondering, which entertainment option lets you earn money? Without doubt it is the casino. The online casinos where gaining popularity lightning speed and if it wasn’t for the recession, this entertainment option would have spread around the world like a wildfire. Professional gamblers have found great success in earning a great deal of money through the online casinos. Unfortunately, entering into the online casinos will need cash deposit. If you lose the game, you will be subject to the risk of losing the deposit. This is not advisable with recession around the corner. That is the reason why the gamblers stay away from the online casinos nowadays.

The No Deposit Bonus To The Rescue

If you are a professional gambler, you would have heard of the no deposit bonus offered by the online poker sites. Realizing the true fact that people cannot spend hundreds of dollars during this recession period as a deposit for the game, the online casinos have made a wise move by offering no deposit bonuses. As the name indicates, the gamblers don’t have to pay the deposit to enter the game. This means that they can play and win and then continue the game. If the lose the initial game, they don’t lose the money. These no deposit bonuses are not new concepts introduced to beat the heat of recession. These bonuses where open to the novice poker players to learn the game. These no deposit bonuses helped the novices to get in to the world of online casino entertainment without losing money while learning the game. This concept of no deposit bonus for online casino is now open to everyone.

Are The No Deposit Bonuses Real?

There are some people out there who have a misconception that the no deposit bonuses are traps to lose money through the online casinos. Though there are some online casino scams out there, there are many real poker bonuses too. However, finding the real poker bonus is like searching for a needle in a digital haystack of data. It is always better to look for the online casinos that you know to throw out the bonuses.

Bottom Line

Some people still consider it as a high risk to getting into the online casinos. This reminds me of an old saying. “A ship in harbor is safe - but that is not what ships are for.” With the introduction of no deposit bonus, the risks are very limited and the risks are worth taking for ultimate entertainment.

By: Fruity Bonus

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The author of this article knows the importance of online casino bonus during this recession period. He has written many articles on casino free bonus. This article about free casino bonus is an excellent example for his writing skills.

Saturday, October 10, 2009


Bad Habits - You Can Change the Outcome
By Mark Bodnar

It has been said winning is contagious. The same thing can be said about losing. Doing the same thing over and over becomes a habit. Breaking that habit can be hard to do. It take determination and a desire to change. It takes a willingness to do things different even when it just doesn't feel right.

When it comes to the world of sports wagering, changing old habits can be as difficult as than any other area of life. The glutton can eat smaller portions. The alcoholic can stop drinking and go to meetings. A losing bettor has to change his mindset, He has to change his perception. He has to find another betting system.

Finding another system may seem easy. There a hundreds, if not thousands, of systems claiming to be the best. They guarantee to give you the best 5 or 10 bets for the week. For most, this may be fine,]. But for the sports investor, the best bets may not be the most profitable. The sports investor is looking for long term gains and stability. This means not just looking at today but also the days to come. Sports investing is not gambling, per se. It is more like financial planning. Sports investing is as simple as having system with guidelines and parameters.

The best sports betting systems have several things in common. First and foremost, does it have a proven track record? The newest usually is not the best. Next, does the gambling community view it as a successful entity? Sports gamblers know who is real and they will share information readily. Third, does this betting system have an escape clause? Can you get your money back? Some systems will have just what you need.

If you can answer yes to all of these questions, it's time to climb aboard your new sports betting system. Have fun with your new money source.

Profit making sites are out there for you now. Follow the most successful sports handicappers to these sites. Better Sports Bets.

Wednesday, September 30, 2009

Online Casino Games

Making Money While Enjoying Free Casino Online Games

The online free casinos include these free games to attract more and more players to join their own online casino rooms. Developed by the online casino operators, the free online casinos encourage players to get full access to the game rooms to play and enjoy the real taste of online gambling.

With the growing competition in the entire online gambling world, most online free casinos have upped their stakes providing free casino games including the facility of earning some cash winnings while playing. These online free casinos offer casino promotions on most popular games. Here comes some common free casino online games and the simplest tips that most players follow to take advantage of it while selecting a right online free casino website.

Free Online Slots Game
The slots machines are included in the category of the most popular and available free online casino games these days. At present, you will find most online casinos offering free slot slots games for players. What are the free online casinos offering you to get started with the game? Well, you may download the free slots game or you may play directly in the available online casino websites.

Select the free slots machines that offer you bonus involving real money if you ever reach the specified sum of the total winnings. Apart from this, you can even get free participation to slots tournaments organized in many online casinos from time to time. These free casino online games are available in those online casino sites that are dedicated fully to slots gaming.

The slots tournaments give you an opportunity to try your hands in slots gaming machines. Most of these online free casinos offer you free poker chips to wager for a specified time say one hour or so. When your gaming time gets over, your individual winnings will automatically get credited to your online playing or bonus account.

Free Online Blackjack Game
Playing online blackjack is another popular option after exploring slots machines. Blackjack is an online free casino game that you can play without depositing any money. The blackjack free rolls offer you the good amount of prize pots where you can join and if you include some basic skills you can easily get one share of the given prize amount.

Free Online Poker Game

Poker rooms form to be the most common option in most free online casinos. If you look forward to sharpen your poker skills, there are play money poker tables where you can practice your game at your convenience. However, if you are up to win some real money playing at the poker rooms, you can better participate in the poker free rolls.

With a medium knowledge of basic poker skills, you may easily beat your opponents at the online casino poker rooms. The casino poker rooms are the best choices for the novice players trying their luck at the gaming tables. In these circumstances, if you beat enough of players then you will be able to reach the finals and get the share of mega prize pot as well.

Playing the free online casino games is never a waste of money or time. You can earn much more money from these online free casinos games. Additionally, you can use your earned money to play other available online casino games.

By: Patrick D Souza

Patrick Crow has been an active participant in the free casino online world for several years and thus learnt the tricks of most of the famous online games like Poker, Blackjack etc. He is also associated with CasinosToPlayAt.com and will be providing in-depth information about several famous online casino games which are generally the eye-candies of Casinos.

Wednesday, April 1, 2009

Successful Home Based Business

Running a Successful Home Based Business - Without Knowing the Fundamentals You Are Doomed to Fail

Learning to run a home based business is something that many people would love to do. The feeling of being able to do what you want, when you want and how you want just excites people. The truth is though that many people try to make money online but usually fail. If you want to know why they fail and how you can succeed, keep reading.

No matter if you are a business man, doctor, lawyer or dentist, the one thing that you have to do to be good in your trade is learn the fundamentals. With out getting yourself a solid base and understanding of exactly what it takes to be successful you are doomed to fail.

Would you let someone do open heart surgery on you if they had only read about how to do it? I don't think so! Running a home based business and making money online is no different than doing open heart surgery. Ok, your not cutting into someone's heart with a home based business but the results would be the same if you weren't fundamentally sound in that your business would die!

If you have tried before to find a way to make money from home and failed, look back at what the reason really was. Did you honestly know what you were doing or did you just hear about something and give it a try?

The difference is that if you knew what you were doing you probably would have succeeded. Making money from a home based business is almost like hearing a legend being told. Those who can do it don't really talk about it and those who cannot just talk about how they would like to.

Which one would you like to be?

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Saturday, March 21, 2009

Home Based Business

Working a Home Based Business - If You Don't Know What to Do You Will Never Make Any Money

Making money with a home based business is not as easy as everybody makes it out to be. Yes, you can make a very large amount of money if you know what you are doing, but the average person who tires making money from home will fail. It's not because they want to fail, it's because they don't understand what it is the need to do.

Having a home based business definitely has a lot of advantages. You get to pick your own schedule, you are always around when your spouse or children need you and you have freedoms that most 9-5 people won't ever have.

You also have control over how much or how little money you will make. The thing about working from home is that you have to be able to manage your time well. It's very easy to sit down and start to work only to want to get up and watch T.V. The "I'll do that later" syndrome will kill your income if you adopt it.

Make sure you set goals and exact times that you will work. Of course, the nice thing about that is if you absolutely have to do something that comes up, you can break away and do it. Make sure you let your spouse and children know that when you are working you need to be left alone. Constant distractions will do nothing but kill your productivity.

Once you have your goals and time frames established, it's all about knowing what to do. You can work all day and night, but if you are going in the wrong direction you will never make a dime. This is what happens to most people unfortunately. They don't take the time to get a solid education on the what and how of a home based business.

That's a decision you have to make for yourself. You can get yourself an education or you can flounder around hoping you find the "secret" to making money from home. I'll let you in on a little secret.....there isn't one. It's just knowing what to do. But knowing what to do can be learned fairly quickly.

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Wednesday, March 4, 2009

How To Make Fast Cash From Home

How to Make Fast Cash From Home - 2 Ultra Simple Ways to Blast Your Way to Big Home Based Profits

Who else wants to know how to make easy cash from home? If you are anything like most of the people reading this right now, you simply need to find some quick and easy strategies to make a supplemental income.....and SOON, right? It's true....with the economy in a free fall, the stock and housing markets both dropping like a helpless victim in a bad mob movie, the amount of people looking for a serious work from home income has literally tripled since this time last year.

Easy Cash Tip #1: Profit From Your Passion First

What do you love to do? I don't care how untalented you think you may be, I guarantee there is a whole slew of people out there who would pay for your particular expertise if you systematize it and sell it. Without question, even in 2009, the very best way to make real money and do it quickly is through selling information that you've already got stuffed in your brain. Type it out, record it and have it transcribed, take a video, start a membership site or otherwise....it really makes no difference, you will always be able to profit from knowledge, and it's dead simple ( and cheap) to produce.

Not sure you have the moxy just yet to come out with your own product?

Easy Cash Tip #2: Sell Other Peoples Stuff!

Yes, affiliate marketing is probably the easiest way for a complete and utter beginner to make some serious cash, and do it in a hurry. Plus, you can use completely free methods like article marketing ( like this example) to drive buckets of pre-qualified traffic to your site, service or even straight to the affiliate offer if you don't have one up just yet. Simply stated, affiliate marketing works, it works well, and it will work for you if you get started - and the best time to get moving is definitely today!

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Tuesday, February 24, 2009

How To Make Easy Money From Home

How to Make Easy Money From Home - 2 Explosive Techniques to Blast Your Profits Through the Roof

Who else is needs to make more money from home? If you are anything like the vast majority of people reading this right now, the simple truth is you probably do, right? It's true - it seems that with everyday, the global economic condition is getting worse and worse, and for many of us, thoughts of foreclosure, unemployment and a bank account that looks like an empty box of donuts to boot.

So is working from home the answer? I do, I'm writing this particular article from the magical ambiance of Key West Florida, and will spend most of my day working on my tan, rather than worrying about the "bad" news on TV. Here are two quick, easy and explosive techniques that you can use to immediately start doing the same thing.

Technique #1: Build a Massive List Through Article Marketing

This is my favorite technique for beginners, and if you can write a few articles a day with discipline, you will make money. The key is to simply pick a niche, then a product, and then your keywords. Send all of your traffic at a simple name squeeze page, offer something of value and then follow up until your fingers hurt and your eyes turn blue.

Technique #2: Use Straight to Affiliate Redirection for Quick and Easy Profits

This is even easier than above, as you are sending your article traffic to a root level redirection, rather than an opt in page. What is the difference? FAR faster profits! (although long term technique #1 is a better investment of your time)

Bonus tip: If you truly want to work from home, and online, remember, there is a huge marketplace out there of things to promote. Don't make the mistake of thinking you should only promote "work from home" or business opportunity products like most folks do. The real money is in a million different "real" niches, and not trying to con other people to get rich overnight.

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Saturday, February 14, 2009

Starting A Home Business

Starting a Home Business - 3 Things to Keep in Mind to Create a Rock Solid Business Foundation!

Starting a home business... a dream for many, a reality for only a few. And usually the main obstacle is how to start. After all, you've probably been in a certain industry for a while and think that you can do it your way or you've already given your intended occupation some thought. Well the time to act is now, and below there are a couple of things you need to keep in mind.

1. Draw up a Step by Step Guide

Getting started with your own home business isn't rocket science but it will help to draw up a step by step guide for yourself of things you need to do before you start doing business. To start off, make a clear list of the goals you want to achieve. Write these down on a piece of paper or on the first page of the diary you are planning to use - somewhere you'll be able to be reminded of it frequently. Once you've got that pat, it's time to move on to the admin side of things.

2. Make a Business Plan

A business plan is something used by all businesses, regardless of how big or how small, as it tells you how you will reach your goals. It will also help you establish guidelines as to how exactly you will be doing business. Templates for these can be found freely on the internet or at your local entrepreneurial society.

3. After your business plan has been set up, you'll have to take care of the legal side of things. This means registering your business and if applicable, getting some insurance. Aside from these, however, you will also need to get your payment systems, bookkeeping systems and all other processes and procedures in place before you start doing business. Other things you might want to pay attention to include letter heads, stationary, suppliers, etc.

These are some basic steps to staring a home business but they are by no means an absolute guide. For more information, contact the appropriate authority in your area as they will be able to guide you from the first step through to the last.

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Monday, February 9, 2009

Private Label Rights

Private Label Rights Package - How to Make Money in 24 Hours?

So, you are considering selling products online as a way to earn some money for that dream vacation or as a way to kiss your nine-to-five job goodbye? You are not alone; the idea of utilizing technology to work from home is a dream of almost everyone at some time or another. Many people try it and fail. Others try it and succeed. What is the difference between those who aren't able to make it and those who are?

A lot of the time, it all boils down to finding the right products to sell, marketing them well, and keeping the overhead down. One way to do that is to become a seller of products you purchase via a private label rights package.

What exactly is a private label rights package? Well, simply put, it works like this. A company, individual, or organization puts together a group of products that they feel are likely to be hot sellers. They either create those products themselves or buy them from someone else who has.

Then, you come along, like the products you see in the package, and that person sells you the right to change and manipulate the products as you see fit and then turn around and sell those same products yourself without fear of copyright infringement or a lawsuit.

Purchasing a private label rights package allows you to market and sell the items (such as software, e-books, audio products, and other downloadable products) and retain the profit. In that way, you can sell products without actually having to spend vast amounts of time producing those products yourself, and in the case of digital media, you don't even need a bunch of shelves to store them.

If you want to become an online entrepreneur, a private label rights package may be just the thing to turn your idea into a reality.

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Mavis Amouzou-Akue is an online author and internet marketer.

Wednesday, January 28, 2009

Stay At Home Moms

Web Writing For Stay at Home Moms

If you're a stay at home mom and enjoy writing, you can develop a great Web writing career, as long as you think creatively. Think about your writing from the point of view of the people who will buy it -- what can you do to make their lives easier?

Let's look at four ways you can make money writing at home.

1. Writing Articles: Save Your Clients Time

Writing Web articles is at great way to make money writing at home. However, many Web writers will never make the money they could and should be making, because they don't approach their writing from their buyers' point of view.

What do your buyers want? They all want to create traffic to their Web sites. Your content must deliver that traffic. Your buyers are also busy, so doing research on article topics, plus creating titles and keywords, and finally briefing a writer, takes a huge chunk of time out of their day.
Since it takes time, many people put it off. What if you were to create entire Web content packages, doing all the topic and keyword research for buyers? If you do this, you'll be flooded with offers of Web writing work, because you're thinking from the point of view of buyers.

2. Blogging for Local Companies

Here's a secret I've been sharing with my students for years: think LOCAL. The Web is huge and complex, so when you're starting your writing business, it's much easier to work with local clients. They trust you because you're a local, and because the Web intimidates many business owners and managers.

This is especially important for stay at home moms. You can get all the blogging clients you can handle if you'll pick up the phone and talk to local business people. Spend an afternoon making calls, and I'll guarantee you that you'll be booked solid for the next three months.

3. Business Writing: You're a Virtual Assistant

Business people are busy, and because of the economic downturn, they're five times busier than they were last year. Again, get creative, and approach your writing from the point of view of business people. How could you reframe your writing services into becoming a virtual assistant?

4. Writing Ebooks from What You Know

Ebooks are gold mines. People get instant information which they can put to work at once. Knowing this, how can you, as a work at home mom, benefit?

You can benefit by writing ebooks teaching others how to do what you do. Many ebooks are short, at around 20 pages. They give tightly targeted information, and people pay for it.

There you have four ways you can make money writing as a stay at home mom. Think creatively, from the point of view of your buyers, and you'll be snowed under with offers of writing work.

Want to make money as a work at home mom? Angela Booth's "Sell Your Writing Online NOW" Training Program at http://sellwritingnow.com/Home/training.html gives you all the skills you need to make great money writing for the Web. A subscriber recently said: "Your training has inspired me - I'm on Lesson 14, and I'm making enough money to quit my day job."

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Monday, January 26, 2009

Now Is The Time For A Home Business

Many people are continuing to struggle day to day and month to month. Why? Because many people are living by rules that applied in a different time. Go to school, get a high paying job and let your company take care of you, when you retire. That mentality is a thing of the past.

People continuing to hold on to these past values will find life harder and more complicated in this new age. Major corporations are no longer taking care of their employees at all.

Let's look at the ways companies are screwing their employees. First many white and blue collar jobs are getting shipped overseas. Cheaper labor equals more profit for these greedy CEO's. Next companies no longer take care of their employees instead they want you to invest in a 401k. Investing in a 401k is gambling and hoping the stock market is doing well when you choose to retire. If the stock market is down when you choose to retire, you are screwed.

Globalization is here to stay. That is a fact! Many people sit around their TV's and bitch and moan. These same people hope a bankrupt government can also save them. If you are hoping the government and greedy companies will take care of you, then you should stop reading now. Just keep your head in the sand and pray!

For those of you who actually want to change your lives for the better, than the rest is for you. You see this is a great time to become rich, the opportunity to make money very quickly is here. Many people are getting rich working from home while the others are whining and moaning.

Think about this. Before if you wanted to go into business for yourself you needed a bank loan, maybe an office or store. Just depending on what you are selling. It took alot of startup money just to break even.

Nowadays, all you need is a computer with internet access. Look at many of the top companies. Myspace, Dell, Amazon were started by normal everyday people with just a little bit of startup money and some good old fashioned work. Think about this, major companies are paying pennies on the dollar to hire cheap labor overseas. What's to stop you from doing the same? Nothing!

Here's my main point, now is the time to start a home business. The resources are cheap and available to all. Those who fail to realize this will work 100 times harder and earn 100 times less than what they use to. Either you can choose to be rich or you can choose to be poor and hope the government will bail you out!