6 Reasons To Pick An Online Casino Over A Land-Based One


Casinos are fun places where you can play your heart out while earning some serious moolah. In case you’ve never been to a land-based casino, maybe try out slot games first to virtually experience it. There are a lot of advantages of playing casino online, read on to find out.

You can check its legality

The most crucial thing to do is to check if the institution or site you are playing on is legally registered. Since you cannot just walk into a brick and mortar casino and ask to see their legal documentation, it is a safer bet to research online for casino sites that are approved by the required authority and can produce proof of their legitimacy.

Play in the comfort of your own home

It can be intimidating to walk into a dazzling casino without knowing what to do or who to approach. When you are playing online, you can get to access the casino scene from your office, home, or wherever it seems convenient for you.

Importantly, you also avoid meeting a lot of strangers who might be looking to dupe you into making unprofitable bets. Moreover, land-based casinos have a tangible property like betting boards, cards, and coins which can be tampered with to make the person of their choice win.

No peer pressure

Most casinos have pubs along with the betting area, and you might get lured into being in a state of complete inebriation while playing, simply because everyone around you will be doing it.  Naturally, a drunk, you will be more susceptible to risk-taking and frisky handling of finances.

Other than the alcohol impairing your critical thinking abilities, there will also be a threat of adrenaline junkies who will encourage you to make huge bets. The kind of behavior that you might encounter in some casinos is one of the reasons you should opt for an online game.

You can try free mobile slots first

Probably the biggest advantage of choosing online casinos is that they allow you to play a few free games before you move into the betting territory. No real-life casino would give you that opportunity.

Additionally, casinos are a metropolitan city phenomenon. If you don’t live in a city that has a casino, you can still enjoy free mobile slots, playing it online, and winning tons of money without actually having to travel anywhere.

Removes the need to carry bundles of cash with you

A lot of casinos don’t accept cards or any online payment method, making it imperative to bring the betting money in cash. This runs the risk of you getting robbed or losing the money. So if you are the kind of person who is more accustomed to online payment, then online casinos are for you.

However, be mindful that a lot of casino sites are fake and only looking out to steal your money, so make sure to choose an authentic site only before giving in your payment details.

You can play a variety of games

Online casinos have the opportunity to mix things up and get creative with the games they host.

Since the games are computerized, they can use different algorithms to spice the game up and keep the players coming back for game after game.

Don’t Buy a Home with a Swimming Pool. Here’s Why.

home with a swimming pool

If you care about saving money then don’t buy a home with swimming pool. Yes, it’s a nice little luxury. It can offset certain costs. However, in the long run, it’s not a good financial decision.

Justifications for Buying a Home with a Swimming Pool

There are definitely some justifications for buying a home with a swimming pool. It can offset certain costs.

For example, maybe your kids will spend all summer with their friends in your pool. Then you don’t have to pay for other entertainment, camps, and activities.

Likewise, you can have your family to your house so that you don’t have to travel to a family reunion. Everyone can just enjoy the pool.

If you have a pool to swim laps in every day then you don’t need to pay for a gym membership. There are definitely ways that a pool can help pay for itself a little bit. However, overall, the benefits don’t outweigh the costs, speaking financially.

Don’t Buy a Home with A Swimming Pool

If you have a home with a swimming pool, then you have a home that costs you more than it should. There are daily and routine expenses that go up because you have a pool. Plus there are unexpected expenses that can eat into your emergency fund.

The Cost When You Buy a Home

If you want to add a pool to your home, then obviously you have to pay all of the costs associated with that. However, even if you want to buy a house with a swimming pool, there are added costs. You’ll have to pay for a separate pool inspection before you buy the home.

Increase in Household Expenses

When you plan your budget out for the month, you have to plan on spending more because you have a swimming pool. For example, a home with a swimming pool has much higher energy bills than a home without one. You need electricity to run the pool pump. There are extra costs if you add lighting to swim at night or if you have a heated pool. You can easily spend $300 a month or more on extra energy costs when you have a home with a swimming pool.

You may also find that your home insurance costs go up. Swimming pools are considered a safety risk, so insurance companies charge you more when you have one. If you do have to file a claim related to the pool, your costs will go up even more.

Your swimming pool also results in other ongoing costs at home. You will have to pay for pool maintenance. Even if you do all of the cleaning yourself, you have to purchase specific supplies to keep the pH at the right level and so forth.

Emergency Costs

Finally, there are emergency costs associated with pools.

Going back to the aforementioned safety issue, you may have an increase in injuries in your home resulting in emergency room visits, paying liability costs, etc.

Even if you manage to avoid those bills, your pool itself will likely need repairs at some point. You’ll use a pool vacuum to clean it, a pool pump, and other supplies that will break and need replacing. The pool has a lining, and a break in that lining is one of the most common repairs people need. That’s not cheap.

The Cost When You Sell a Home

Finally, when you go to sell your home, you’ll discover that because of all of these things, your home’s resale value is actually lower thanks to your decision to add a swimming pool.

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Where Millionaires Live: 10 Small Towns with Big Millionaire Populations

where millionaires live

What do you picture when you think about where millionaires live? You might think of Beverly Hills or Malibu in California. You might picture New York City. On the other hand, you may imagine millionaires retiring to exotic international destinations.

Of course, there are plenty of millionaires around the world. However, you might be surprised to learn just how many of them live in small American towns. It makes sense, when you think about it. One million dollars doesn’t go a long way in New York City but you can stretch it really far in Williston, North Dakota.

Williston is one of the towns that Kiplinger reports has a high concentration of millionaires. Here are ten small American towns where millionaires live:

1. Summit Park, Utah

There are only about fifteen thousand total households in Summit Park, Utah. Of those, nearly 2000 are where millionaires live. When you look at the exact numbers, it’s got 12.5 % concentration of millionaires. In fact, it’s got the highest concentration of any small town in the United States. This is where millionaires live.

The median income for the area is just under $95,000. The median home value is just over $558,000. People here live good lives; it’s known for film festivals and ski resorts.

2. Los Alamos, New Mexico

I was surprised to learn that Los Alamos was on the list. I’ve been there and it didn’t seem like a place where millionaires live. However, like Summit Park, it has a 12.5% concentration of millionaires.

It’s interesting to compare the statistics between the two locations. There are fewer people living in Los Alamos (about 8000 households) but there are 1000 millionaire households. The median income is higher in Los Alamos (over $110,000) but the median home value is considerably cheaper ($285,000).

Each of these cities offers a very different way of life for the people who choose to call them home.

3. Williston, North Dakota

I’d actually never even heard of this small town before but apparently it’s an oil town and that’s created a dense population of millionaires. Of 14,570 household, 1331 of them are millionaire households. That’s just over 9% concentration.

4. Juneau, Alaska

Juneau has a high cost of living compared to many other places in the United States. Nevertheless, it might not be the first place to come to mind when you think about where millionaires live. And yet, the concentration here is high. The 1156 millionaire households here make up just under 9% of the total.

5. Edwards, Colorado

Edwards is a ski resort town. It’s one of the larger cities on the list, with a population exceeding 20,000 households. Of those, 1756 are millionaire households, which is 8.7% concentration.

6. Torrington, Connecticut

Torrington is a hidden gem – a beautiful place that’s great for outdoor activities but also offers shopping, dining, and art galleries. It’s a frequent escape for Manhattanites who want to get away.

It’s by far the largest city on the list, with more than 74,000 households. More than 6300 of those are millionaire households. The median home value here is $260,700 but the state has some of the highest taxes in the nation.

7. Kapaa, Hawaii

I think of Hawaii as more of a vacation destination than a place where millionaires live full time. However, about 8.4$ of the 25,000+ household in this Kauai island city are millionaire households. Like in Torrington, the property taxes are high, though. And like in Juneau, the cost of groceries and other cost of living items is high as well.

8. Vineyard Haven, Massachusetts

The name alone suggests that rich people live here. There are fewer than 650 millionaire homes here but they have such a low total population that it’s still over 8% concentration.

9. Breckenridge, Colorado

Apparently the wealthy like to live in ski towns in the Western United States. This one has just over 1000 millionaire households, which is just under 8% concentration.

10. Easton, Maryland

Millionaires who want a quieter spot with antiquing and calm beaches may try Easton. There are over 1250 millionaire households here, which is 7.9% concentration for the area.

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