Two Prime Online Poker Game Mysteries

The game of poker should first of all be an intellectual pleasure. After that, it is an opportunity to make money. Learning to play poker is very easy. You need to understand that the ability to play and the ability to win are completely different things. Only someone who enjoys the gameplay itself can achieve high results. There is no universal strategy due to which the player will earn money sitting at the poker table. Knowledge and the ability to use the game strategy significantly increase the chances of success.

It is best for a novice player to stick to a tight style of play, which implies caution. Starting a fight for the bank with only good cards is helpful. Starting to play cautiously at low limits, you can study the game for a very long time, gradually improving. Since low bets combined with tight styles of play and weak opponents won’t allow the player to lose his bankroll. Each game session is accompanied by losses, and then subject to the rules of money management they will be negligible.

Low stakes poker game

There is no need to replay opponents. It is unnecessary for the player to sit down at the table thinking weird things and being overconfident. Excessive self-confidence often leads to loss of account. Playing for the sake of profit, self-esteem and pride in the won banks should go by the wayside. Based on this, investing in the fight for the bank is only necessary with a strong hand.

The image at the table means nothing. If a player adheres to the tight manner of the game and plays strongly, then he needs not to worry. At starting point, players only care about what they earned, and then draw lines are not interesting to them. The player shouldn’t be afraid of changing anything in his game. Be his opponents will not even notice it.

No need to bluff. Bluffing is a great way to beat opponents. At low limits, the vast majority of players like to watch the flop. This is why any bluffing is far from the best solution. Opponents will call bets with any medium-strength hand, so the player must have a strong hand to bet. Sit at a table with a long stack. Take the maximum allowable number of big blinds at the table. A long stack and a tight game will provide an excellent opportunity to win more money.

There are also many other interesting privileges that can be used to varying degrees, both beginners and professionals. Current trends in the poker industry, but rather read reviews are actively developing and progressing. All thanks to the fact that this card game pays great attention to international organizations. They actively promoting in the sports industry. That is, many promising players are trying to prove that poker should be recognized by international organizations. This is done in order to popularize the game and make it something new and interesting for the present. By and large, Internet projects do not strive for this, since their main task is to provide full-fledged earnings. One can have an instant withdrawal of money for their own customers. Therefore, if you are interested in this offer, you are ready to start playing poker then proceed to registration.



Virtual Celebration with Online Poker

Poker is one of the most popular card games in the world. It’s end result is often based on odds, their psychological characteristics and knowledge of game theory. Poker online games spread widely in the nineteenth century, and were positioned as a recreational activity for gentlemen. Most online casinos and gaming sites are currently offering various online poker games to its customers. And the casino is certainly one of the best in its category.

Free casino games including free online poker

In online casino you can play free poker online games without limits and restrictions. You can do it instantly on your PC, no downloads required. You can also learn how to play and test free online poker games without limits and restrictions. Unlike other casinos and various gambling sites, it is allowed to sohopoker enjoy free no deposit. No download poker and master your gambling technique for free. Learn how to play this play this free online card game. Test your playing skills without risking your personal funds.

Benefits of playing free poker games

Instant free online poker games are the best way learning how to play this exciting and popular card game. No deposit and registration free online poker gives you the chance to learn different aspects of this game. This is without risk and without having to waste your money.

Key points to consider

Here are the few things you might want to consider when choosing free poker online games available online. First, don’t forget to browse all the free poker games and get to know their features. Second, try and practice each of the free poker games to see which one has the features. It is the most important to you. Each free poker game has its advantages and disadvantages. You should understand before choosing to play for real money. Third, you can enjoy non-deposit poker games for as long as you like. Feel free to take advantage of this unique opportunity to practice before serious betting.


About Weight Loss Pills

Many people who are obese are always looking for ways to slim down. All over the world, the issue of overweight has always been a very big problem for many. This has led to the manufacturing of various weight loss pills which are aimed at dealing with the issue of obesity.

Today, there are thousands of weight loss pills out there both online and in most medical shops. Locating the best of such pills could be a very big task. That’s why it’s very imperative for you to know all you can about the pills. Let’s take a look at some of the points below.

Best Weight Loss Pills

There are weight loss pills, yet, there are the best among them. In order to locate the best, you leptitox pills need to check the safety of the product, the basic ingredients used in manufacturing it and also its potency in dealing with obesity. Again, best weight loss pills are usually endorsed by appropriate health agencies after passing through thorough clinical tests. Make sure you check the approval of the product before you use. In most cases, the approval is usually well marked on the container of the pills.

How the Pills work

Most weight diet pills have their specific ways of operation. In most cases, you have to take them as ordinary tablets according to the right specifications. The dosage for each type of pill is usually well specified on the container it comes with. Again, some of the pills are meant to deal with too much fat and calories in the body of the patient while some others are meant to work on the digestive system. Whichever is the case, you need to take time to discover how each pill works before you go ahead to make use of it.

Benefits of weight loss pills

Most weight loss pills come with unique benefits. Generally, the pills will help you lose weight faster than any other means of weight loss. When you want quick action concerning your overweight conditions, the pills are always there for you. Again, pills are easy to use. You simply swallow them according to instructions. Moreover many of the diet pills are made of natural or herbal products. This makes them safer in every ramification. Almost all the pills help obese people to burn excess fat and calories. You’re sure to lose enough pounds when you make use of the pills according to instructions.

The Negative Aspects of the Pills

Generally speaking, best diet pills have little or no negative effects on the body of most users. This is mainly because of the natural ingredients used in manufacturing them. However, the seemingly side effects that comes with the pills are usually specific to individuals. There are people whose bodies react to such pills because of their health conditions. It’s always better to consult your doctor before you make use of the pills.


P2P Online Loans — A New Vehicle for Borrowers and Lenders

Since February, 2006, there’s a new way for individuals to get small loans in the United States utilizing Person-to-person (P2P) Online Lending on eBay-like websites. On one such site, borrowers post listings requesting an unsecured, three-year loan of up to $25,000 indicating the maximum interest rate they wish to pay. Other people (“lenders”) review and select listings based on the borrower’s credit, debt profile, and group affiliation. Lenders place bids for the amount and rate they’re willing to lend, usually for a piece of the loan (at least $50). When a listing is fully-funded, the site handles all of the tasks needed for payment and collection of the loan. The site has over 1,200 loans listed currently. They range from $5,000 at 4.75% interest for home remodeling (1 bid) to $3,000 at 29% interest to consolidate credit card debt (12 bids).

Eight Suggested Steps to Receiving a P2P Loan

  1. Examine your other loan options. Shop around for loans from other sources that offer the best interest rates and terms. For example, secured loans generally offer lower interest rates than unsecured loans, but put the property that secured the loan at greater risk.
  2. Join a group. While this step is optional, it is recommended as many lenders tend to favor loans posted by borrowers who belong to a group. A group can be any collection of people, small or large, with common interests. The top ten groups by member size each have hundreds of members and appear to have collectively generated over a third of the fully-funded loans on this site. Groups also have an interest in not having their borrowers default on loans.
  3. Retrieve your credit grade. Borrowers provide their annual income so a debt to income (DTI) ratio can be determined and displayed. A credit check is run and a borrower’s credit grade (AA, A, B, C, D, E, High Risk, No Credit) is also determined and displayed. Generally, the combination of a higher credit grade, DTI under 20%, a description that appeals to lenders and lower loan amount improves your chance of getting fully-funded at a lower interest rate. Xem Tai Day
  4. Research and create your loan listing. After passing an anti-fraud and identity check, borrowers can request unsecured loans from $1,000 to $25,000 at rates they select. It is important to use a high enough starting rate appropriate to your circumstances that will attract lenders to want to bid on your loan. The site shows useful statistics about recent loans, interest rates by grades and loan size that potentially will secure funding. Examine other successful and unsuccessful listings for ideas. Your loan listing is what will inspire lenders to bid against each other to make you a loan. It communicates important details to lenders about you and your loan. Consider uploading pictures and write a lot about the purpose of the loan and how you’ll be able to repay it.
  5. Get your listing reviewed. Have one or more people review your listing, including possibly your group leader. Would it move, touch or inspire them to lend you money? What would? Does the description contain enough information for a lender to understand why you’re asking for a loan and how the monthly loan payment fits your budget?
  6. Watch the bidding. You can see the bid history for your listing, which shows the lenders who are bidding, the amounts they’re bidding, and over time will show your interest rate dropping as more bids come in. If there’s insufficient bidding after several days, try to determine why. If this listing doesn’t succeed, you can try a different approach in a subsequent listing.
  7. Receive your money. If your listing is fully-funded, funds from the winning lenders will be deposited into your bank account a few days later. Sometimes a final identity verification is conducted before funds are released.
  8. Make your payments and improve your credit rating. Every month, the site will make an automatic withdrawal from your bank account for the amount of your monthly payment and divide that payment among your lenders. If a borrower misses a payment, a group leader is notified before a collection agency. At any time you can pay off all or part your loan early without penalty. Because the site reports all payment activity to a credit bureau, this is a good way for new borrowers to improve their credit history while maintaining their group’s reputation.

Logistics Experts, 3PL Or Logistics Software – Which is the Best Option?

When a person thinks of opening or buying a product manufacturing business, shipping logistics usually isn’t their first concern. More often than not, how to transform the business into a more profitable operation is the first concern, and understandably so. But soon, the reality that a manufacturing business can only succeed to the extent that it succeeds as a shipping business becomes clear, leading to one of three decisions: if none are on staff, the hiring of one or more logistics experts; if one is not already retained, the hiring of a third party logistics (3PL) provider; or the implementation of whatever type of logistics software applies to the company’s shipping situation (e.g. full truckload logistics software as a TL shipping solution or less than truckload logistics software as an LTL shipping solution). But before a decision is made, careful consideration of how each option affects the shipping process and company finances should be taken. truck freight

Hiring Experts

For most companies, having in house logistics experts is the preferred way to execute the logistics function. In addition to the feeling of security that comes with having an expert on hand, the primary complaint of 3PL customers is that they feel cut off from their shipping process due lack of communication with the provider. In house experts take care of this problem. But they do so at a price, which is roughly $70,000-$90,000 in annual salary, or roughly the same amount that you could expect to pay for a 3PL provider to manage your shipping process while proposing innovative solutions. Therefore, if you own a smaller business or your company needs to minimize its budget, hiring an expert might not be the best solution.

Contracting With a 3PL Provider

If you wish to avoid the cost of hiring one or more experts, then chances are you’ll want to avoid the cost of contracting with customer developers and customer adapters, which manage the entire shipping process. This leaves option of contacting with standard 3PL providers, service developers, or perhaps both, as each specializes in offering particular shipping solutions instead of comprehensive solutions. But, while it’s technically possible to outsource logistics on a need by need basis, doing so rarely results in a meaningful range of options, as standard 3PL providers rarely practice 3PL as their main function and service developers typically funnel their business toward certain carriers from whom they receive a preferred (discounted) rate and then charge customers above and beyond the rate.

Implementing Logistics Software

Compared to the options above, logistics software is remarkably inexpensive. Allowing companies to cut the middleman out of the logistic function, the software essentially functions as a logistic expert, presenting companies with an unlimited range of ranked shipping options that can be evaluated and selected through a user-friendly interface. Available on either a modifiable SaaS model or as an internal software solution, the software can be tailored to a company’s changing needs, and is ideal for both smaller companies with small budgets and larger companies that need to cut costs.


The Questions to Ask When Buying A Donation Software for Nonprofits

First things, if you are running a charity or nonprofit organization you would know how prone to errors is the work of donation management. That being said, one doesn’t have enough chance and time to continue making mistakes in the donation accounts, hence the need of a donation software.

If you are wondering what the donation software is all about here is little information for you –

Donations software or better known as the donations coordinator software is the technical and an error-free way of managing the donations received by the church or charity. The use of the software comes into play when the funds received and funds spent by the church have to be managed and things have to be planned in a manner that least error in the accounts shows up.

However, that is not always easy because selection of the right kind of software, one that will appropriately meet all your needs is a difficult thing. Whether you’re doing the background research of the software online or offline, there are a number of things that you typically need to keep in mind. Selection of the software isn’t always an easy thing to do and one needs to be very particular when make the selection.

Here are the few questions that one needs ask when buying donation software –

What is the need of this software? The first of the many things that need to be kept in mind when choosing the software is understanding the exact need of the software. You cannot just buy any software without analyzing the needs of the church or nonprofit, doing this will waste your time and hard earned money. From a range of available options you have to choose the one that is best suited to meet the requirements of your church without giving you  shareit for laptop any major drawbacks or concerns.

How will the software run? Remember every software has its own and unique set of characteristics that need to be precisely kept in mind when choosing and buying the software. Understand those characteristics and find out everything about the functionality of the software – understand how it will be installed and how the processes will be handled. Make sure you have all the information before you finalize the one for your church of charity.

How will the errors be handled? You have to be very practical during the selection process of the software – understand that even if the software is functioning absolutely normally for now it may at one point in time develop some errors which could then alter the management process of the donations received by the nonprofit. When planning to buy the software make sure you have gathered as much possible information on how the errors will be handled at any time.

What about the software updates? Every software has its own time of performance during which it will perform up to its maximum efficiency. After that, it may require updates and that is exactly the information you need to collect before completing the purchase process. Inquire and understand how the software will be updated and what will be the most expected changes to occur upon the update. Be as sure as possible about the software being just as beneficial for you post the update because obviously you do not want to spend another huge amount for the purchase of just another donations software.

Are there any other functionalities that the software can perform? Now that is a very important question that needs to be asked at all times. Donations coordinator software is a very important and technical concept for the management of church funds but that doesn’t mean the software cannot perform any other responsibilities. When selecting the software make sure you inquire about the multi-functionality concept and see how things can then be done for you.

All of these points mentioned above are indeed the important ones and have an undeniable role to play in the selection process of the software; therefore, it is essential that churches, charities, and non profits keep in mind the selection process and choose the software that best suits their requirements with utmost perfection.


Hulk Games Offer New Genre of Game Play

When speaking of online games, these are certainly considered as one of the best past time for them. There are thousands of old and young people of all age group who like to play Hulk games online. Internet certainly does offer you with wide variations of games and you can try and perform a simple online search pubg pc download  for some of the latest additions. These are the types of games that are very much exciting and offer players with a very interesting game play. When searching the net you might come across thousands of Hulk games that are very much distinct from each other. Some of the best preferred Hulk games are Hulk bad attitude, Hulk power, smash building and Gladiator. These certainly are most played Hulk games in the online community. When playing these games you need to try and defeat your opponent using your power.

These are also very much popular in the online community as players from around the globe enjoy playing them. In most games you definitely have to consider time as one of the most important factor. It is important that when playing these games you have to try and respond instantly to gain points. If you fail in doing so then there are chances that you might never win. Your instant response is the only factor in Hulk games that can actually save you. When playing these games you also have to try and hit all your enemies. There are different types of keys that you need to make use of. Some of the best games might also offer you with many controls so it is important that when playing you should in fact be aware of different function keys.

You can also try and go through the instructions before beginning with your game play. As most tasks can be performed using the right type of key so the game play often becomes very easy for any one to understand. One of the main advantages of playing Hulk games is that you get to enjoy the game play for free. There are a number of websites that offer you with distinct game play; you simply have to search the net. Apart from this you can also enjoy playing Hulk games on your smart phones. This is one of the best options available in case you are traveling to far off destinations. The best part is that you certainly can play these online games for a number of hours. You can also go through different reviews of the games before selecting one to play.

The game play gets more interesting the moment you move to higher levels of game play. In higher level game play you have to try and make use of distinct strategy to win. Every thing from jumping to kicking should be made use of when playing Hulk games online. One of the only ways to win this game is to try and beat your opponent so you can always expect lots of action in this game play.



7 Little Known Ways To Make The Most Out Of Casinos

There are more and more online casinos available right now. These are great because they allow us to gamble when we want and wherever we want to. However, sometimes it is nice to be able to go to a real, old fashioned casino. The United States is famous for its casinos, and if you happen to be in Iowa, you may want to have a look inside one. There is nothing quite like a real casino, after all. The sounds of the slot machines, people pulling on the one armed bandits, cards shuffling, waiters and waitresses walking around clinking glasses, the smell of money and chips. Luckily, if you do find yourself in Iowa, there are plenty of places you could go to. Here is a list of some of the best casinos you will be able to find in the state.

List of Iowa Casinos (Casino, City, County)

  • Prairie Meadows, Altoona, Polk
  • Diamond Jo Casino – Worth, Northwood, Worth
  • Harrah’s Casino & Hotel, Council Bluffs, Pottawattamie
  • Ameristar, Council Bluffs, Pottawattamie
  • Horseshoe Council Bluffs, Council Bluffs, Pottawattamie
  • Terrible’s Lakeside Casino, Osceola, Clarke
  • Isle of Capri, Bettendorf, Scott
  • Grand Falls Casino, Larchwood, Lyon
  • Rhythm City, Davenport, Scott
  • Mystique, Dubuque, Dubuque
  • Diamond Jo Casino, Dubuque, Dubuque
  • Wild Rose Casino and Resort, Emmettsburg, Palo Alto
  • Catfish Bend, Burlington, Des Moines
  • Isle of Capri, Marquette, Clayton
  • Blackbird Bend Casino, Onawa, Monona
  • Wild Rose Casino and Resort, Clinton, Clinton
  • Riverside Casino & Golf Resort, Riverside, Washington
  • Meskwaki Casino, Toledo, Tama
  • WinnaVegas, Sloan, Woodbury
  • Argosy, Sioux City, Woodbury
  • Isle of Capri, Waterloo, Black Hawk

As you can see, there are quite a large number of casinos to choose from, with the biggest amount of choices being in the Pottawattamie County. However, you do have to understand that Iowa isn’t like Las Vegas or Reno. There are no full strips with casino upon casino. Nor are there the insane buildings that we know from popular culture. Don’t go to Iowa if you want to go to a casino that includes a boxing match and a concert by Celine Dion, for instance. However, those are the casinos for tourists. What Iowa has to offer is casinos the way casinos are supposed to be. They are reasonably large buildings with all the games you could possibly choose. There are slot machines, Black Jack tables, poker tables, roulette tables and crab games. Some casinos may even have closed off poker VIP rooms and even poker tournaments. 우리카지노

Most of the casinos are operated by Native Americans, who are known the world over for starting casinos all over the United States. This means that these are real, cultural and ethnic casinos, rather than the glitz and glamour you may have expected because you have seen various movies about what goes on in Vegas. This doesn’t make these casinos any less nice, however.


Want An Easy Fix For Your Casinos? Read This!

Many UK casinos have moved into the virtual world in order to gain more customers and expand their business. Because of the emergence of the internet as a global, 24/7 place for work, play and trade, UK casinos have also established a presence on the world wide web to capitalize on the business opportunities provided by the internet. Given the level of competition among these internet casinos, they will offer incentives to attract new customers; this can work well for you, even if you don’t know the first thing about gambling or internet casinos!


These incentives for new customers include cash bonuses simply for signing up! However, at first there were many who would sign up to receive the bonus, immediately cash out and never revisit the site again. Because of this, UK casinos with a web presence have begun to attach conditions to these new customer bonuses in the hopes of getting the better of new gamblers drawn in by the bonuses offered. However, with a little knowledge on your side, you can beat this system and make this bonus system work for you, while making a little money from internet gambling itself!

You see, these UK casinos who have gone online are hoping that by putting these conditions on the bonuses such as requiring you to place a certain number of bets, or bet a certain amount of money, that they will come out ahead on the deal. If you know how to work this system to your advantage, you can instead emerge as the victor in this particular deal. By using a guide to gambling wisely using a winning strategy, such as offered to you by Casino Cash Cow, among others, you can get that signing bonus and also learn how to be a winner at internet gambling from UK casinos and any other online gambling facility.

You really can get something for nothing; you just need to be aware that a free lunch isn’t what the casinos have in mind for their customers – they are in the business to make money, of course. The bonuses given away online by UK casinos really can be free money for you, even without any internet gambling knowledge – as long as you have a guide which can show you how to beat the system, the same way that the professionals do. With this advice working for you, you can really clean up as an internet gambler.


Casinos Like to Think of Gamblers As Mice Not Men (or Women)

Scientists did a test with two different mice. The first mouse was put into a cage with a lever. When the mouse pushed the lever nothing happened. After a short period of time the mouse stopped pushing the lever, so no matter how long the mouse was kept in this cage it never pushed the lever again.


The second was put into the same cage with the same lever. However, this time when the mouse pushed the lever it got a treat. The mouse got the treat and ate it then went back and pushed the lever again, but this time the mouse got shocked. After a short period of time the mouse pushed the lever again and was rewarded with a treat. This same pattern continued with the mouse having to get shocked more and more in order to get the treat. A very interesting thing happened. It did not matter who many times the mouse would get shocked, as long as once in a while it would get rewarded with a treat. In fact this mouse continued to shock itself till the point of death. It’s body could no longer endure being shocked, but yet it continued to push the lever in hopes of getting that treat and as a result it was shocked to death.

What does that teach us? That mice are dumb? No, that humans are as dumb as mice! The casinos use these same psychological principles to get people to gamble. From the casinos perspective the best thing that can happen to a first time gambler is that they win. If they leave that casino a winner it is almost guaranteed that person will return and when they do, they will eventually lose that money they won and much more. Even more important is the fact that they will continue to return to the casino in hopes of regaining that experience of that first win, and they are willing to lose a lot of money (Like the mouse being shocked) to get it. As long as they are periodically rewarded they are customers for life. The casinos know that if a person perceives that they have no chance to win they wont play, but if they think they can win and it is periodically reinforced, they will continue to play regardless of the negative effects. Just like the mouse.

“When we put 50 slot machines in, I consider them 50 more mousetraps. You have to have mousetraps to catch a mouse.”Bob Stupak- Casino Owner

A perfect real life example of this is the story of Bob. Bob had recently retired after working for 30 years of teaching the youth of our great country. He was a highly regarded teacher who devoted his life to educating others. When Bob retired he found that he had quite a bit of free time, so he decided to take up a hobby. He decided to do some gambling. That would allow him to get out and travel and have some fun playing the slot machines.

Well guess what? Bob was one “lucky’ guy. On his first visit Bob won $100,000 on a slot machine. The casino quickly upgraded him to a beautiful suite and took care of all his expenses. Bob returned home and a few weeks later he returned to the casino. Again he received the red carpet treatment and his “luck” continued. This time he went home a $50,000 winner.

After that trip things begin to change. Bob was still treated like a king every time he visited the casino, but he slowly lost all the money back that he had won. Not only that, but Bob began losing his own personal money on a consistent basis and his casino trips were becoming more and more frequent. Needless to say this didn’t end well. Bob continued losing his money, in fact he lost every penny he had, including all of his retirement money


Welcome the Dating Coach – The New Super Hero of 21st Century Online Dating

The Online Dating Industry is exploding with millions of new members joining every single day. It is estimated that within the next five years, almost 50% of all single adults will use Online Dating Services to meet other singles!

As more and more people use online dating services and dating agencies to help them find their Soulmates, a new specialty service has emerged in the form of an Online Dating Coach. While the online dating sites compile your personal information so they can do the matchmaking, a Dating Coach works directly with the clients to help them establish and develop the relationships which start within the agency. A Dating Coach has the responsibility of helping clients effectively market themselves on the chinese women dating  dating site. Essentially, an Online Dating Coach provides personal coaching services to clients so they can put their best foot forward in making contact with the other dating site members.

An Online Dating Coach is a dating specialist who, after interviewing and working with a client and using special coaching assessment tools, will help the client put his or her thoughts, feelings, and values on paper (so to speak) and in doing so create the client’s Online Dating Profile which will be seen by the other members.

In addition to this, an Online Dating Coach will help his clients see how their thoughts and feelings are affecting their dating matches, and will offer guidance and feedback to enhance the client’s likelihood of success. In many cases, a Dating Coach’s clients have been away from the single marketplace for a good number of years. Therefore a bit of rehabilitation is helpful for some clients as a way to familiarize them with 21st century dating practices. A lot has changed in the world of dating in the past ten or twenty years – indeed, even in the past five years have dating rituals evolved!

A Dating Coach usually works by phone, and typically, weekly or twice-a-week telephone coaching sessions are scheduled at the convenience of the client, sometimes after work and occasionally on the weekends. At the beginning of the coaching process, a Dating Coach will do an initial assessment to get the larger picture of what’s occurred in the client’s personal life. During that assessment, the client’s personal values are mined through a series of open-ended questions. This interview sets the stage for the effective coaching sessions that follow.

Ongoing coaching sessions with a Dating Coach may be as simple as meeting by phone for an hour to discuss the men or women you’ve dated over the past week, or they may become as intricate as having your Dating Coach listen carefully while you practice flirting with strangers, or role playing to get ready for “the big night out.”

Perhaps the most important aspect of selecting a Dating Coach is investigating their professional academic credentials. You’ll want to make sure that your Dating Coach has been professionally trained of course. A Dating Coach who has a background in Psychology or Social Work (if not both) can be very helpful in drawing out the qualities of a client’s personality that he or she may not even be aware of themselves. The Dating Coach can then help the client express themselves so their dates have the benefit of their true feelings and personality. As a simplistic but illustrative example, shyness in a person is often mistaken for conceit. The person who seems unfriendly is often just bashful, but this quality may lead to a misunderstanding – especially on a first date. A properly trained Dating Coach can resolve this type of issue by helping the client compensate for his or her shyness and even make it work in their favor.

As with any form of counseling, when find a wife online  you seek the assistance of a Dating Coach, be objective but also look within so you choose someone who sincerely wants to help you. The more your Dating Coach is willing to work with you as his client, the more committed he is to providing the service he’s promised. At the very least, the service of a Dating Coach will help you learn more about yourself and make you more comfortable with the personality you express to the world. Since a large part of dating is your wish to feel good about yourself through the companionship of another, just feeling better about yourself overall will make your life richer for having had the experience of being coached. And feeling better about yourself can easily lead you to the relationship you’ve been dreaming about – and the reason you joined that dating service in the first place!


Contingencies in the Reserve Study

We are right in the middle of the reserve study busy season and are again being asked by a number of our clients whether or not it is permissible for them to have contingencies within their reserve study.

In some Associations, this is just a given. In other Associations, there are member factions that will react quite strongly against the inclusion of contingency in the reserve study.

study in Germany

There are a number of issues to consider when addressing the issue of adding a contingency factor into a reserve study.

1. Is a contingency reserve permissible under state statute?

2. Is a contingency reserve permissible under the Association’s governing documents?

3. Is a contingency line item permissible under tax law?

If you’re determined to have a contingency factor within your reserve study, once you get past the above issues, you then have a decision to make as to HOW contingencies will be included within the reserve study.

1. Will contingency be a separate line item expense within the study? If so:

-will it be a flat dollar amount?

-will it be a percent of current year expenditures projected in future years?

-will it be a percent of reserve fund assessments?

-will it be the excess operating income that is transferred annually from the operating budget?

2. If contingency is not treated as a line item within the report, can it then be factored into the study as a percentage of future expenditures?

And the last question:

3. Will your reserve software support the reserve calculation method you prefer?

As you can see, there a number of factors to consider in response to the simple question we are often asked of “Can we add a contingency factor to our reserve study?”

Some reserve preparers are adamantly opposed to ever including contingencies within the reserve study, perhaps because of the multiple unknowns identified above. Other reserve preparers don’t seem to have a particular problem with contingencies, but generally have a specific manner in which they prefer to present the contingencies.

Let’s take a look at each of these issues identified above:

1. State statutes – The answer to this is not as transparent as we may wish, simply because most state statutes are silent on the issue of contingencies. Statutes primarily address the physical common area components for which the Association has maintenance responsibility, if they address content of the reserve study at all. I have not seen contingency specifically listed within state statutes. That doesn’t mean it doesn’t exist; it just means that I haven’t seen it. Many interpret state statutes as being specific about reserves not being able to be included in the reserve study by the absence of a discussion on the matter. Others state that you are not necessarily prohibited from having a contingency reserve simply because it is not enumerated in statutes; many other things are also not specifically listed in statutes. However, depending upon how a contingency factor is added to the reserve study, it may not be an issue. (See item “2” above.)

2. Governing documents – The position here is very similar to that of state statutes. Most governing documents do not have any language at all that addresses the issue of contingency within the reserve study. Therefore you are left with the same question of whether or not it is permissible to include contingencies in the reserve study simply because of the absence of any language addressing the issue.

3. Tax law – For what may be the only time we can ever say this, the fact is that tax law is quite specific on the issue of contingencies within a reserve study. Many people may disagree with the following statement simply because it is exactly the opposite of what they have been told numerous times, but the fact is the IRS takes NO position with respect to contingencies in the reserve study.

The IRS cannot force any taxpayer (Association) to include or exclude ANY item from the reserve study. The only thing that the IRS can do is to react to what has been included in the reserve study by telling you the appropriate tax treatment of that item. While the HOA industry thinks in terms of operating versus reserve, the IRS thinks in terms of capital versus non-capital. They are not the same thing.