Just see the world with the holy heart

Casino games offered on Chatroulette


One of the fascinating things about the internet is the speed with which some new sites take off. One minute, you have this tiresome start-up calling itself Facebook, the next everyone has an account. In this context, the rise (and rise) of Chatroulette is all the more exciting. We've all been chatting and skyping for so long we can't remember. Webcams have been standard pieces of kit, turning up to allow machine-to-machine video conferencing and to show all kinds of interesting activities when they are planted in unexpected places. So adding in the gambling element completes the picture (as it were). At one level, you could describe the site as your chance to meet new people, except these people could be doing absolutely anything when random chance connects you. In a conventional world, everyone participating would sit calmly in front of their PCs, wearing all their clothes and a welcoming smile. Unfortunately, the randomness and anonymity of the system encourages people to slide towards pornography or voyeurism depending on your inclinations. A remarkable number of people seem prepared to get naked and show off their genitals, or dress up as animals or apparently conduct weird social experiments by giving viewers curious instructions. It's the more sane people who hit the news. Ben Folds has been singing us songs, and a new celebrity is running a primitive gambling scam.

Chance can now connect you to a live dealer offering roulette and blackjack. If you are inclined to play, our mystery croupier gives you his PayPal address and, with a deposit made, the game of your choice begins. You can play for as long as you like. If luck is not with you, topping up the PayPal account is quick and easy. But something that should be not unexpected happens if you tire of this amateurish show and ask for your winnings. The croupier reaches for the "Next" button and disappears from your screen. OK, so let's take two steps back. You were prepared to part with your money to a complete stranger. Well, now's your chance to learn all about the PayPal contract. You have a record of the payment(s) made so, in theory, you can get your money back. Although you will look a fool, you could also report this sad episode to your local law enforcement agencies. They would be delighted to spend time tracking down this guy. But there's a much more interesting question to ask.

The majority of jurisdictions around the world regulate gambling. Online casinos must have a licence. So, Chatroulette is allowing someone to run casino games without a licence. In many jurisdictions, this could make Andrey Ternovskiy, Chatroulette's owner, liable to one or more criminal offenses. If our mystery croupier's activities are small scale and PayPal is able to recover most of the money paid into his various accounts, it's unlikely any country will take action against Chatroulette or its owner. But if the volume of pornography rises, the police might get increasingly interested in trying to shut the site down (or block it) which would also take down these unofficial casino games and the scammer behind them. There does come a point when, for better or worse, governments step in and take down some of the fun sites. Politicians and moral guardians never seem to have a sense of humor about anything.

Should lawmakers ban smoking in casinos?


This site is not Libertarian but we know what we like about gambling and the experience of going into casinos. While we can all approve of regulations to keep gambling reasonably honest and fair, there comes a point when enough is enough with the lawmaking. Let's take the issue of smoking as an example. Most of us probably believe the science linking tobacco with fatal diseases. Whether you smoke or draw in the smoke second-hand, the risks of cancer and heart disease are even admitted by the tobacco industry. So, on New Year, we all repeat our resolution not to start or to quit. It's all down to us - a personal decision. If we do decide to smoke, this is a "victimless crime". No-one is forcing us to do this and it should not be for the law to get involved in making any part of smoking a crime. There are no laws criminalising overeating even though the obese die younger, or threatening to put alcoholics in jail because they are damaging their livers. People own their own bodies and should be allowed to do what they want with it.

So what do we make of all these laws banning or restricting smoking in public places? There are no federal laws. It all comes down to the lawmakers in each state. Some have fairly comprehensive laws restricting smoking in the workplace. Others go on to include some bars and restaurants. But, so far, most states have avoided any kind of restrictions on the operation of casinos. The consensus view has been to avoid anything that might reduce the revenue from gambling operations. As the recession has taken hold and the tax-take from conventional businesses has fallen, maintaining the flow on money into the state coffers has become even more important. So far, the need for money has outweighed the health concerns. After all, no-one forces people to go to a casino. If you are not a smoker and want to avoid passive smoking, do not go to a casino.

Based on the experience in Atlantic City which went through a two-week ban on smoking, casino operators estimate their gross revenues would drop by more than one-third. Where would these gamblers go to play their favorite casino games? There are two obvious alternatives. The Tribal casinos stand outside state laws on smoking, and people can always stay home to gamble online. There are no laws to restrict what people do in the privacy of their own homes. We could also get into a kind of bidding war where some states with high costs on the healthcare front may clamp down on smoking only to find their own citizens drive into neighboring states to play there. That's a double whammy because the lawmaking states lose tax revenue and still have the health costs of treating their citizens who fall ill because of their smoking. There should be federal legislation to replace this current patchwork of different laws. Health is a national priority. Washington should decide the limits on what people should do in public places. As it is, drinking and smoking goes with casino games just like turkey goes with Thanksgiving. Breaking the link is going to make one set of lawmakers really unpopular. Shall we bet on whether federal laws are introduced?

Student loan consolidation rates

Are you a career-minded student? Aiming is to go for higher studies? But can't go because of the shortage of money. Don't worry student loan consolidation rates will help you to go for higher studies.

A student can apply online for student loan consolidation, as there are various debt consolidation packages are present. A student can save money by combining student debt loan into one loan with the help of student loan consolidation rates. It will lower your interest rates and will save your time. According to the Education Department, students who are graduated or are still in school may consolidate their government-guaranteed loans -- a step that clears the way of hurdles, were stopped by the high interest rates. Now a student doesn't have to pay high interest on student loan consolidation rate, apply and enjoy LOW rates.

A student has to check some points when he/she going to sign on the loan papers. Carefully examine each and every point written on the papers. Prepare you mind about the student loan consolidation rates. If the burden of paying monthly bills are in your shoulders, than you have to check for the companies who are offering additional services regarding your requirements.

Consider some points for Student Loan Consolidation

Plans :

1. Give a thorough search before taking any decision on student loan consolidation rates. Choose a lender who is offering low monthly rates and provides good facilities.

2. Try to get only student loan consolidation as for student loans you have to pay differently to every loan provider. Student loan consolidation will take your all tensions in one package.

3. These days, some federal consolidation loans have a fixed rate for the life of your student loan. It's best to do research to see what the best interest rates and term you are eligible for. You can check online to calculate the interest rate on a new student consolidation loan based on the rates of your current student loans. You can then round up to the nearest 1/8th of a percent of the weighted average of the interest rates on your eligible student loans.

4. Federal consolidation rates can give you relief as you can extent your payment period up to 30 years. This way you can focus on your studies effectively and when you get a good job you can pay back all the debts.

5. Student loans consolidation is also made for school going students. This way you can get loans on low rates.

6. With a new student loan consolidation, you may be able to get a much better interest rate. Interest rates are now at an all time low. You may have been paying on debt you built up from several years ago, at high interest rates. Things change over time in the financial industry

The First Time Small Business Loan

Charting the small business loan market can be scary your first time. The best place to start when it comes to finding your first small business loan or credit is not with your banker, accountant or lawyer but with you. The business is the owner so your personal credit history is an important aspect in getting a small business loan.

How good or bad your personal credit history is can influence your ability to get a small business loan. In the wake of big corporate bankruptcies, banks are carefully reviewing all lending practices and trying to mitigate the risks. Before you go into a financial institution for a small business loan, know your credit history.

Check Your Credit First

* Order Your History: Obtain your personal credit history report from the three credit companies; Equifax, Experian and TransUnion. You can also order a triplicate report from one of the companies. You have the option to order by phone, mail or online.

* Know Your History: Check your credit history from the big three credit bureaus for missing data, mistakes and omissions. For example, you may have canceled a $2,000 credit card limit years ago but it can still be on file. The bank will view this as available credit and limit or reject your small business loan.

* Explain Payments: If you can explain a late payment and know why it is on your credit file then offer your bank a reasonable explanation.

Getting a small business loan isn't and a quick and easy process. You need to know your business and your own personal financial situation. Remember, the first step to getting a small business loan is to have a clean credit report.

Koi Varieties

Koi Varieties

By moving your mouse over the particular variety you will have a brief description of that particular variety of Koi. With the continual development of koi varieties in Japan this is no way an exhaustive list, but does show the main and more common varieties.

How long will that koi be around?


The maximum life span of koi has been documented to be over 200 years in exceptional cases. The average life span of the large colorful fish, however, is 25 to 35 years.

How important is coffee to Saudi women?


In Saudi Arabia, a woman reportedly may divorce her husband if he does not keep her supplied with coffee.

Plane crashes in India, 160 feared dead, 8 alive

Plane crashes in India, 160 feared dead, 8 alive
Indian firefighters carry a child, reportedly a survivor, out of the debris of an Air India plane that …

NEW DELHI – An Air India Express plane trying to land in the rain at a tricky hilltop airport in southern India overshot the runway, crashed and burst into flames at dawn Saturday, killing nearly 160 people, officials said. At least eight survived.

Dense black smoke billowed from the Boeing 737-800 aircraft surrounded by flames just outside Mangalore's Bajpe airport in a hilly area with thick grass and trees.

Firefighters sprayed water on the plane — which was traveling from Dubai — as others struggled to find survivors. An Associated Press photo showed two rescuers running up a hill carrying a girl who was about 7 years old and covered in foam to waiting medics. The child was later treated for severe burns in a Mangalore hospital.

Other rescue workers pulled out scores of burned bodies from the blackened tangle of aircraft cables, twisted metal, charred trees and mud at the crash site. Many of the dead were still strapped into their seats, their bodies burned beyond recognition.

Relatives of the victims, who had come to the airport to meet them, were seen weeping near the wreckage.

"The plane shook with vibrations and split into two," a survivor named Pradeep told CNN-IBN television. He said the plane's initial touchdown appeared smooth at first, but trouble started about 15 seconds later.

Pradeep, who uses only one name, jumped out of the aircraft with four others into a pit, he said.

The plane had a small fire at first, but then a large explosion set off a bigger blaze, said Pradeep, who injured his hand and suffered burns to his feet.

The plane was carrying 160 passengers and six crew members, Air India official Jitender Bhargava said.

"This is a major calamity," V.S. Acharya, home minister for the state of Karnataka, told CNN-IBN.

By Saturday afternoon, rescuers had pulled 80 bodies from the wreckage, Bhargava said. Eight survivors also had been rescued and were being treated in local hospitals, said Anup Srivastava, another official with the financially struggling Indian national carrier.

Air India runs cheap flights under the Air India Express banner to Dubai and other Persian Gulf destinations where millions of Indian expatriate workers are employed.

The crash could be the deadliest in India since the November 1996 midair collision between a Saudi airliner and a Kazakh cargo plane near New Delhi that killed 349 people.

Prime Minister Manmohan Singh expressed condolences and promised compensation for the families of the victims. Boeing said in a statement it was sending a team to provide technical aid to the government's crash investigation.

The crash took place about 6 a.m. when the plane tried to land at Bajpe, about 19 miles (30 kilometers) outside of Mangalore, and overshot the runway, Bhargava said.

Scores of villagers scrambled over the hilly terrain to reach the wreckage, and began aiding in the rescue operation. Pre-monsoon rains over the past two days caused low visibility in the area, officials said.

Abdul Puttur, a survivor, told CNN-IBN he jumped out of the wrecked plane and then pulled out two other passengers.

At Dubai International Airport, a special room was set up to assist relatives and friends of the Mangalore passengers at Terminal 2, a hub for many budget and small airlines. Some people came to the airport looking for information and were later referred to Air India's main office in Dubai, said Rasha Mansour, an airport spokeswoman.

The Mangalore airport's location, on a plateau surrounded by hills, made it difficult for the firefighters to reach the scene of the crash, officials said. Aviation experts said Bajpe's "tabletop" runway, which ends in a valley, makes a bad crash inevitable when a plane does not stop in time.

"If the pilot overshoots the runway, the aircraft will be in trouble," said Asif, an aviation expert who uses one name.

Asif, a longtime air traffic controller, said Air India has traditionally insisted that only pilots with more than 1,000 hours logged in the air be allowed to fly into tabletop runways.

"However, in recent years, Air India has hired a number pilots from abroad," he said. "Such expat pilots may not be very familiar with the terrain."

Accidents of this type, known as "runway excursions," are fairly common, though the majority end without injury or damage.

The International Civil Aviation Organization and pilots' groups have urged airports worldwide to construct 300 meter (yard)-long safety extensions at the end of each runway for extra protection.

Older airports in built-up areas or those in tight locations with little room for extensions are advised to install soft ground layers — known as arrestor beds — to slow planes, much as escape ramps on highways can stop trucks when their brakes fail.

Crash investigators will likely look into aquaplaning as a contributing factor in the crash because of the rain.

The crash came as the national carrier tries to weather serious financial difficulties.

In February, the government approved a $173 million cash infusion for the airline, which as suffered decades of mismanagement and underinvestment.

source

How will live dealing affect online casinos?


Whichever time you look at, there has always been gambling. For example, there is evidence of keno, dice and mahjong being played in Ancient China from 2,000 B.C. onward. Different forms of gaming were also a popular pastime in the other major ancient civilizations of India, Egypt, Persia, Greece and Rome. Despite attempts to ban or control gambling because of its addictive nature, it has persisted until today. Sometimes it went underground, while other governments allowed commercialisation. Throughout, gambling has been seen as a social activity. The rich would gather in each others palaces and mansions to play or attend exclusive clubs. The poor would flock to "dens of iniquity" which were often run by criminal gangs tied into the worlds of prostitution and street drugs. This history is one long transfer of wealth from one individual to another. Before regulation, it was usually the criminal gangs that became rich. After regulation, those in positions of power took their commissions while governments subsidized the taxpayers through levies and taxes. But there was one constant thread. Whether you were an aristocrat lounging in a casino in an exclusive spa town in Europe or panning for gold in the 1840's and 50's, the majority of games depended on live dealing or the supervision of the betting by an employee of the House. In the more modern clubs and casinos, the dealers and croupiers have often been beautiful women, dressed attractively. In their own right, they were part of the attraction of the "place". The men would come, leaving their wives at home, to lose their money while ogling the girls.

Then along came the internet. There is nothing wrong with the quality of the graphics, animation and soundtrack. In most cases, they represent a brave attempt to create an experience similar to a real-world casino. But players can never suspend disbelief. They continue to sit at home or nursing their laptops in a hotspot with their attention fixed on a small screen. Nothing can replace the smell, noise and crush of people in a casino. Except, as the technology has matured and bandwidth improved, online casinos have begun to introduce live dealers for a range of your favorite casino games. This has two advantages. Many people prefer to avoid the random number generators that drive the software versions of the games. RGNs are too perfect. They feel it is better to gamble where human beings shuffle the packs or spin the wheels because human beings make mistakes and are inefficient. Secondly, animations only go so far. Even though it is a small screen, a live video feed of a sexy lady dealing blackjack or running a roulette table brings in the business.

Live dealing has been increasingly common on sites serving Europe but the first online casinos in the US are now recruiting live dealers and launching their own service. You can only go so far to compete on animation and welcome bonuses. Web cameras are cheap and not much of a studio is required to create interactive play between dealer and you sitting at home. With your favorite casino games now coming to you live, the pressure will be on the majority of the other casinos to innovate ad improve the interface and user experience. As bandwidth improves, your gaming experience will improve.

How ethnically diverse is New York City?



There are more Irish in New York City than in Dublin, Ireland; more Italians in New York City than in Rome, Italy; and more Jews in New York City than in Tel Aviv, Israel.

Can you eat a pibroch?



A "pibroch" is a piece of music for the bagpipe, consisting of a theme with variations, usually martial but sometimes dirgelike.

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