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Gambling Abroad 101

The risk takers see no bounds. And so does gambling. The origin of gambling cannot be traced to one country or region in particular. Gambling is an age old practice. Though its concentration in the United States is higher, but its popularity is as evenly distributed as the water level. Betting in sports and the advent of international and national lottery, gambling has found new vistas across the globe. www.ufabet

Asia, South America, Russia and even Europe are some of the major landmarks where gambling can be easily spotted. One of the main reasons for gambling becoming global is the expansion of the tournaments and gambling events. The prize attached to them makes it all the more lucrative for countries to go for. The revenue generated by lottery and bingo etc. can be estimated by the huge success of the American states.

Gambling attached to the travel has increased popularity and this is one of the reasons why gambling has reached all the exotic destinations of the world. The Asian countries like Singapore, Macau etc. are the hubs for gambling. However the South-East Asian countries remain the most favored places for gambling purposes. Let’s see why? The Chinese though have a claim to have invented gambling have made gambling in any form illegal in China. This gives impetus to the island nations like Macau and Singapore who cater to the gambling tourism traffic of Asia. Singapore has slowly and steadily moving into main-stream gambling.

The Europeans are known to have developed the dice games during the roman period. They had treaded also in the field of horse racing during those times. Destinations like Monte Carlo remain the hot spots of European gambling. The lotteries, as in other countries, have become popular in Europe too. Nearly all European countries support gambling and they have a good source of revenue through it.

The Russians are more liberal towards the gambling. Some of the Baltic countries have come out of the shambles of government control over gambling only in the beginning of 20th century. Places like Riga in Latvia are the centers for casinos and they offer twenty four hour gambling luxury. Russians are thus trying to woo major casino giants to come to Russia and develop the gambling industry for the benefit of Russian economy.

The Japanese are no exception to the general rule that prizes attached to gambling are too good to resist. The games like Pachinko are the national pastimes and they men as well as women are now involved in the game for hours. The betting on horses has also had a substantial part of history in Japan. The Japanese also go for the national and local level super lotteries.

 

Video Slot Machines for Women

Which are the most obvious video slot machines targeted at a female audience? Without wishing to sound too sexist, it often seems as if slot machine games are aimed at men, with slots like Hitman, or Super Hero themed slots that are the preserve of comic book nerds.

So here are some slots that have more female friendly themes to them

1) Kitty Glitter – you can’t beat a slot full of cute fluffball kittens can you? Kitty Glitter is based on a whole range of cats and has 30 win lines, plus a clever diamond bonus that increases your winnings. And if you are not having much luck, who doesn’t like looking at photos of cats? บาคาร่า sa

2) Ladies Nite – Ladies Nite has handbags, make up, perfume, cocktails and more among its different symbols that look to appeal to any lady fancying a big night on the town. Guess what triggers the bonus game – a shirtless man holding drinks – all sounds ideal from the feminine perspective.

3) Sex and the City – the popular TV series featuring Sarah Jessica Parker and her many friends with a voracious appetite for men has spawned a penny slot that you can find in US casinos. It must only be a matter of time before this comes online.

4) Hot City – this is clearly a Sex and the City “inspired” slot shall we say, with similar music, female characters, ring and handbags as symbols, while the Hot City bonus game involves choosing different pairs of designer shoes to pick up prizes and tree spin bonuses. Need we say more!

With more and more women be attracted by online bingo, there is no doubt there will be more slot machines games with a female twist – come on designers, inspire us!

 

The Stop Gambling Process Negatively Affected By Triggers

The internet is swarming with all sorts of easy to access gambling websites. It is important to know that these sites can lead to a probable disaster for someone who is a known gambler. The bad news is, there are so many online casinos and betting websites that anyone can have access to.

If you have gambling problems, you will surely be tempted to go to these websites that are operating 24 hours a day.

A compulsive gambler may want to stop and start a new life but it’s impossible to stop the addiction. Even if thousands of dollars have been lost, family relationships have been broke, and friends have been left out cold, a gambler will never stop or put an end to the addiction.

The Diagnostics and Statistical Manual of Mental Disorders (DSM), the American handbook for mental health doctors, implies that compulsive gambling is a known psychological condition that needs treatment.

There are ways to know if a person is a compulsive gambler. A telltale sign of a compulsive gambler is the difficulty in stopping the urge to spend money in all kinds of gambling activities. There is also no restraint in the amount of time that he/she spends when gambling.

Restlessness and irritability is also a sign of this condition. An addicted gambler is very restless and irritable when doing required work, or any other activities that have nothing to do with gambling. Also, if a person starts to lie and asks for money to feed the gambling, you have yourself a serious gambler.

If you suspect that a significant person in your life is slowly becoming addicted to this problem, you need to talk openly to them. Open communication is the key to getting rid of this problem. Once you do find out that there is a problem, you need to take away the temptation first.

It is important that the person admits that he/she has a gambling problem and wants to get help. Both of you need to talk about it and agree on how the gambling can stop. Eliminating the actual computer will only show that you are not willing to trust the person, hence, your loved one will only find ways outside your home to get his or her gambling fix. You can simply hire a computer expert to block certain websites and install web filters for a start. casino gambling

Online gambling has become extremely popular because of its easy availability to gamblers. With the advent of internet technology the scope of making online money with gambling has arrived in everyone’s drawing rooms. Now you can use your gambling tricks from the comfort of your favorite couch. There are different sites where you can gamble online and can make money. There is no substitute for quick money and such gambling can provide you that.

Knowing the basic rules and tricks of online gambling is very important. If you are a newbie then you can start with free gambling to experience the thrill of gambling without actually risking any real money. Search the internet vigorously and you will find plenty of websites offering you the opportunity to participate in the money-less gambling. Playing with real money on the very first attempt is actually a very bad idea. Once you have mastered the art of gambling, you can start playing with real money.

Many sites promise to offer you a quick return on gambling. Before investing any real money in online gambling, make sure that the gambling company is legitimate. Often lucrative promises turn out to be completely fake.

Even while playing legitimate gambling online, you should not be over-excited. Play with a cool mind and keep an eye on the budget. Overindulgence in gambling can turn into an addiction which can easily ruin you and your family financially. All you have to do is to gamble carefully.

Remember that winning an online gambling game is not always easy and it can easily make you frustrated. If such situation occurs then you must restrained yourself from gambling for a longer period of time. Otherwise, there is more chance of ruining yourself financially. And it is also your responsibility to identify and stay away from any kinds of online frauds. Safe online gambling can help you to earn loads of money. Play safe and stay safe.

Beware of Casinos Gambling With Your Taxes

A while ago, my mother received a letter from the IRS stating she owed tax (plus penalties and interest) on her jackpot winnings at a Delaware casino in a prior year. They included a copy of the W2G form that she (according to them) had neglected to claim on her Federal tax return. Mom had not been to that Delaware casino in that year because there are now more than enough casinos in our state where you can play and lose your money.

My mother did not know where to begin to get this resolved, so she called for my help. As an accountant, my first thought was to see a copy of the receipt the winner had signed when she collected her jackpot. Mom called and asked the accounting department to fax a copy of the receipt to me.

It clearly was not my mother’s signature on the receipt. After a second call to the casino, we learned several things about how the accounting is handled at casinos.

Turns out there is another person with the same name as my mother, but a different address and Social Security number. This person and my mother had both signed up for the casino’s ‘club’ card, and I suppose they each had to supply their Social Security number. This is the card you put into the slot machine you’re playing that is supposed to track your winnings and provide points for free meals, etc.

However, it looks like the casino had not bothered to verify the correct SSN when they filled out the paperwork for the winner, and therefore filed an incorrect W2G to the Internal Revenue Service for that jackpot. Meanwhile, my mother was being billed for the tax on the winnings, plus penalties and interest, while the real winner was not, and the clock kept ticking on the interest until this was resolved. 918kiss 

Another call to the casino was a little frustrating, as the accounting department had no idea how to solve the problem. (As an accountant, I knew they would have to send in a corrected W2G under my mother’s SSN stating no income, along with a new W2G stating the earnings for the winner under the correct SSN.) We called the IRS and they confirmed the need for the casino to file these two forms, and then we had to call the casino to explain how they needed to do their job to correct this.

Weeks later, Mom received a corrected W2G from the casino and I wrote a letter to IRS explaining the situation and asked for the penalties and interest be reversed. Eventually the case with the IRS was resolved, but not without a lot of frustration and time. The casino did not seem too fazed with the error – they did apologize, but we will never go there again. I had Mom call them to cancel her ‘club’ card so this wouldn’t happen again-to her, at least.

The lesson learned here is… if you do enjoy playing the slots or table games at a casino, do be sure to keep track of your winnings. If it’s available to you, ask the casino for a list of your year-to-date winnings at the end of December to make sure it agrees with your actual figures, and question anything that looks wrong. I am sure there are jackpot winners who wind up paying tax on money they didn’t win

How Online Betting Works – The Basics

Calvin Ayre declared that Bodog is only a place where you can have fun. This might sound real for those who have no clue about Bodog, but those who are informed know that Bodog is the most successful online betting website in the world. It activates in Costa Rica, but it also has the necessary license to work in the United Kingdom or on Indian territories such as Mohawk in Canada. Of course, Calvin Ayre is one of the billionaires many of us envy so much nowadays.

Party Gaming has another successful and impressive story, this betting agency having the headquarters in Gibraltar and being introduced on the London stock market in June 2005. The value of this company increased very quickly and reached an incredible ten billion dollars sales number, thus Anurag Dikshit becoming one of the youngest billionaires in the world. Anurag is the technical engineer  918kiss who developed the online betting software for this company.

There are a lot of other examples, but they only emphasize this situation. The whole story of online betting around the world is only available if we study the numbers of the last few years. Christiansen Capital Advisors estimated a profit of fifteen billion dollars for the betting agencies all over the world in 2006, 2010 expecting profits of over twenty-five billion dollars.

There could be other two winners with these business, apart from the owners, these being the national governments and the online payment processors, both of them having something to win from betting.

Information that gives one the knack of spotting a winning team will outline the aspects that usually influence the results and outcome of matches. Usually predicting the team that is going to win (for team games like baseball, basketball or football) can be quite intimidating and difficult. You will have to research all the factors that can affect the final outcome of the game. These factors will include fitness of players, expertise of the team manager etc. All these factors will help you to come to an informed decision and an accurate prediction.

It is wise to keep a track on all teams to get a feel about which team is going to emerge as the winner. This way you will also be in a position to spot any changes in the team that will affect the result of the game.  Free newsletters, articles etc will give you all the information you need about specific teams as well as good sportsbooks you should place your bets through.  The Greek Sportsbook review, Diamond Sportsbook Review etc, are easy to use and offer excellent services that makes online sportsbetting extremely easy and fun.

Sports online betting news can be extremely helpful. News that pertain to star players and team managers, jockeys and trainers, etc are revealing. For example, if a player is injured or has a disagreement with his manager, or a trainer has suddenly dumped a particular horse, these bits of news can give you the hot tip you need to pick the right team or horse. Apart from the newsletters it is helpful to read the reviews that are posted by sports fans that are sometimes excellent in predictions which are accurate. It is wise to use their skills and choose your winning teams.

Sports online betting can be addictive and cause you to be careless and take risks. It is of utmost importance that you check the laws pertaining to online sports betting that may be illegal in your area. Laws pertaining to this vary from country to country and it is up to the gambler to be responsible enough to find out whether his gambling is legal or whether it would land him in jail.

The business of sports online betting can never really be on the decline due to the ease, convenience and popularity of the game. Online sports betting helps you to save time and money while providing the same fun and excitement of betting on various sports events as well as poker and casino games.

Online Casino – Look Out For the Advantages

With the emergence of the online casino, people do not have to fly or drive to a faraway casino to play their favored games. Changing times and new innovations resulted in the growth and popularity of the internet casinos these days. Considering the present scenario, the online casino has developed as the most entertaining and enticing means to check out a number of popular casino games under one roof.

Gone are those days when you had to plan for a holiday or vacation to travel to a location like New Jersey or Las Vegas popular for offering the excitement of real casinos. However, it is obvious that while planning a holiday, you had to put aside your official commitments. It is more likely that traveling frequently leaving behind all your assignments may not be possible always.

The introduction of the internet casino or more popularly the online casino eliminates a lot of hassles for the gamers making it much more easy for them to reach out their favorite game at any time and at any place. Additionally, you do not require to travel all the way to any brick and mortar casino to play your casino game. Having a computer with internet connectivity can put an end to all these problems.

Casino online gives you access to a lot of gambling sites on the internet. If you’re 21 (the considered legal age of gambling) then you are ready to start with the online casino games. You should know that playing at any online casino site brings about a lot of advantages for the players.

Having a look on the major advantages of the online casinos will help you to know why this means of gambling has grown so popular. Why is it the most preferred option for most casino players worldwide? Well, in the following lines you will come across the most common advantages that online gambling brings you forward. These include

Playing at your convenience:

One of the main features of casino online that makes most gaming lovers to turn to gambling online is that the internet forms to be the most convenient medium these days. The online casino forms to be an essential way allowing more and more players to gamble with ease from their own residence. Till you’re connected to the internet, you can play your favored casino games 24×7. You just have to enter a site and get started with your chosen casino games. ufabet

Promotion and bonuses

The online gambling bonuses prove to be the most attractive options to select playing online. You will never be finding these kinds of options in any brick and mortar casino. Presently, you are offered a range of bonuses like deposit match bonus, sign up bonus or welcome bonus, no deposit bonus ad cash back bonus. These promotions can be a great way to attract more and more new players and hold on to the existing players as well. With bonuses, the players can easily increase the bankroll as they have much more cash in hand to bet.

More choice of casinos

With the internet casinos, you will get a choice of more casinos at a time. You can even switch over to one site to another as it depends solely on your wish.

Convenient and easy withdrawal and deposit options:

Online casinos brings you a lot of banking options to make your selection. Many online casino sites accept Master and Visa credit cards for both withdrawal and deposit purposes. Other popular options available include wire transfer, NeTeller, myCitadel, Moneybookers, Entropay and others.

Online Casino – Look Out For the Advantages

With the emergence of the online casino, people do not have to fly or drive to a faraway casino to play their favored games. Changing times and new innovations resulted in the growth and popularity of the internet casinos these days. Considering the present scenario, the online casino has developed as the most entertaining and enticing means to check out a number of popular casino games under one roof.

Gone are those days when you had to plan for a holiday or vacation to travel to a location like New Jersey or Las Vegas popular for offering the excitement of real casinos. However, it is obvious that while planning a holiday, you had to put aside your official commitments. It is more likely that traveling frequently leaving behind all your assignments may not be possible always.

The introduction of the internet casino or more popularly the online casino eliminates a lot of hassles for the gamers making it much more easy for them to reach out their favorite game at any time and at any place. Additionally, you do not require to travel all the way to any brick and mortar casino to play your casino game. Having a computer with internet connectivity can put an end to all these problems.

Casino online gives you access to a lot of gambling sites on the internet. If you’re 21 (the considered legal age of gambling) then you are ready to start with the online casino games. You should know that playing at any online casino site brings about a lot of advantages for the players.

Having a look on the major advantages of the online casinos will help you to know why this means of gambling has grown so popular. Why is it the most preferred option for most casino players worldwide? Well, in the following lines you will come across the most common advantages that online gambling brings you forward. These include

Playing at your convenience:

One of the main features of casino online that makes most gaming lovers to turn to gambling online is that the internet forms to be the most convenient medium these days. The online casino forms to be an essential way allowing more and more players to gamble with ease from their own residence. Till you’re connected to the internet, you can play your favored casino games 24×7. You just have to enter a site and get started with your chosen casino games.

Promotion and bonuses ufabet

The online gambling bonuses prove to be the most attractive options to select playing online. You will never be finding these kinds of options in any brick and mortar casino. Presently, you are offered a range of bonuses like deposit match bonus, sign up bonus or welcome bonus, no deposit bonus ad cash back bonus. These promotions can be a great way to attract more and more new players and hold on to the existing players as well. With bonuses, the players can easily increase the bankroll as they have much more cash in hand to bet.

More choice of casinos

With the internet casinos, you will get a choice of more casinos at a time. You can even switch over to one site to another as it depends solely on your wish.

Convenient and easy withdrawal and deposit options:

Online casinos brings you a lot of banking options to make your selection. Many online casino sites accept Master and Visa credit cards for both withdrawal and deposit purposes. Other popular options available include wire transfer, NeTeller, myCitadel, Moneybookers, Entropay and others.

 

6 Tips For Gambling

Online casino games are brilliant invention that completely transformed the field of gambling. They enable people to gamble with less commitment of time, money and inconvenience than before. Comparing online casino with land casino is like comparing apples and oranges, each appeal to different aspects of a player’s game. Let’s take a look at the advantages and disadvantages of online casino games as compared to the land-based casino.

The Surroundings: there is great fun and excitement playing casino games at the actual casino, but when it comes down to what important to the casinos – gambling the casino atmosphere is trying to dissolve and distract you… from your money. In land casino you are competing not only against the dealers and other players but also the casino crowd that watch your every move. One more disadvantages start with the trip to the casino. Depending on where you live, you might have to drive for several hours, or fly, just to get there., on the other hand, When you choose an online casino, you remain in control. An online casino can’t outdo you in the comfort of your own home. You don’t have to travel; you don’t even have to get dressed. There is something liberating and thrilling about knowing that any casino game that you could possibly want to play is available at your fingertips.

Money!! In land casino you buy chips with real money; in an online casino you will create a casino account and transfer funds into it. The fundamental difference however that in an online casino you know how much money you have at all times. The chips are only used for bets and the entire thing isn’t as puzzling as it would be in a land casino.
The most important thing is that online casino will let you play free, in a land-based casino you can’t enter and play practice games before you start betting any real money, but at online casino. No problem! Play as many free games as you want. Try new games that you are not sure about. Practice your game strategy. Play until you feel comfortable with the game and confident that you understand all the rules and secure with your strategy. In an online casino, you can play all the games for free, for as long as you want. Then, you can gamble real money only when you decide that you want to.

Are the games really different? In roulette, for example, there is a difference in the experience of clicking the Spin button in an online roulette game and the experience of watching the croupier spin a real roulette ball around a real roulette wheel. But beside that different, the game is the same. When you play roulette online, you play with a Random Number Generator that is programmed so that, over the long run, each roulette number will hit 1 out of 38 times, just like on a real roulette wheel. So the differences between them are really a matter of preference and taste more than any significant differences in the game play itself. สมัคร gclub

In slot machines, the similarities are even more striking. In the land-based casinos the slots are not mechanical “one-armed bandits” anymore. The computerized slot machines you would play in a land casino are exactly the same as the computerized slot machines you would play in an online casino. The only difference is that when you play slots online you are playing from the comfort of your own home, and you can get up and take break without losing your place at your favorite slot machine.

Security and privacy: there is no dress code in an online casino, an online casino will not try to film or picture you. You can play games in an online casino while wearing boxers and flip-flops. And you can do it with beer in your hand, a cigarette or whatever is it that you prefer. Play as much as you want and win as much as you want. Nobody is going to kick you out you can have full trust on online casino.

No one has the option to cheat you with the game. Online casinos have the latest state of the art encryption technologies to protect the players’ privacy. With the upcoming techniques and security proofed software you can have full trust on online casino. When entering an online casino, you should read their privacy statement! The security technologies that online casinos employ are designed to protect the player because he is the most valuable asset of online casinos.

Competition! Running a land casino is much more expensive than an online casino. That means there are more online casinos and more online casinos means competition between the Internet casino houses. This competition means better service and more fun for you. Choice means you can stick to what you like, find an online casino that offers the best as it suits you – the player – and if you didn’t like the experience, just dump them and Try another online casino

6 Key Tactics The Pros Use For Gambling

Recreate the glamour and excitement of a James Bond movie by hosting a Casino Royale casino theme party. This article lists the steps you should follow for a unique party experience that your guests will always remember.

Glamour Theme or Fancy Dress?
A Casino Royale theme party can either be a formal occasion, or a more casual fancy dress party.

The formal option involves guests being dressed in tuxedos and evening gowns, and should be set in a venue equally as glamorous. This is a party with class! Guests are made to feel like they have entered an exclusive European Casino where they are the rich and famous, and money is no object. Don’t forget to have waiters offering champagne and canapés to enhance the experience!

If your budget doesn’t stretch to the formal version, you can always host a Casino Royale party with a twist by making it a fancy dress. Ask guests to dress up as characters from any James Bond adventure. Ideas for women include Miss Mata Bond, May Day, Pussy Galore, Vespa Lynd, Rosa Klebb, Jinx, or more generic characters such as a Decoding Room girl or Russian Henchwoman. You don’t want all the men to come as James Bond of course, so offer suggestions such as Odd Job, Doctor No, Baron Samedi, Jaws, and Emilio Largo.

If you want a combination of these two ideas, you could opt for an op-shop or vintage formal fancy dress. This is a more tongue-in-cheek glamour that allows guests to perhaps recreate some of the 1960’s style formalwear from the Bond movies.

Whatever dress option you choose, make sure you make it clear on the invitation so that all guests join in on the fun!

Invitations for a Casino Royale party
Invitations for a Casino Royale theme party can be a fun DIY project, or can be purchased through specialist invitation designers. You may want to try a design using the iconic 007 gun barrel image as a background, or embellish a plain invitation with recreations of the Casino Royale movie title, or the 007 logo.

Another design option would be to recreate the look and feel of the 1960’s Casino Royale book cover. This would be especially effective for a vintage formal Casino Royale fancy dress.

Shaken, Not Stirred
Catering for a Casino Royale theme party should focus on canapés. Bite-sized finger foods are easier for guests to handle when they are standing around Casino tables, unless you are serving a sit down meal before the gaming begins.

Drinks should obviously include a “shaken, not stirred” Martini, and champagne shouldn’t be forgotten. For some extra fun, use your imagination and create a cocktail list of drinks with James Bond style names.

Casino Royale Casino Games
Baccarat was James Bond’s favourite casino game in the Ian Fleming novels, but with the growing popularity of Texas Hold ‘Em in the early 2000’s, the latest Casino Royale adaptation featured James Bond playing Poker. Either game is great for a Casino Royale theme party, but guests will also enjoy the traditional Casino favourites – Blackjack and Roulette. royal online

There are companies which provide Casino tables and Croupiers for party hire. Of course you will be limited to those who operate in your area, but in making the decision on which company to hire, be sure to check that you are getting the best service available. Choose the company which provides the most realistic looking tables and equipment. Don’t settle for felt layouts which are thrown over trestle tables – this is hardly Casino Royale style! Chips and cards should look good and be in good repair, and the Roulette wheel (if you hire one), should be the full Casino size of 32″ in diameter. Anything less will look like a toy and will detract from your guests’ Casino experience.

Just as importantly, ensure that the Croupiers employed for your party are fully experienced and have excellent customer service and entertainment skills. Testimonials from previous customers will give a good indication of this. If the testimonials mention names, then ask specifically for those staff to attend your party. The equipment can look great, but at the end of the day, it is the Croupiers who will be assisting and entertaining your guests, so you want the best available

Why Live Dealer Casinos Are So Popular

Perhaps one of the greatest things that hit online gaming is live dealer gaming venues. This is practically one of the hottest, if not the hottest online gambling gaming today. More and more enthusiasts are enticed by such casinos every day.

Live dealer casinos are actually improved versions of the already popular online casinos. One of the most significant improvements of this game is that live personnel are integrated into the game themselves. Unlike online casino which uses computer software programs in card shuffling, live staff casinos employ live dealers.

Live dealer casinos have indeed become more and more popular every day. One proof of this is the emergence of a lot of new online casinos recently. Indeed live dealer casinos have come a long way.

nging the casino to every home is taboo. In fact a lot of people believed that this idea would never thrive. Today, these people are proven wrong. It is definitely possible to bring the casino in your homes. Moreover, the excitement and the thrill of real casinos can actually be incorporated in online casinos such as live dealer casinos. Furthermore, live dealer casino have also made people aware of casino games that are usually and normally played in real casinos. To top it all, online casinos, educate players and casino enthusiasts with various game strategies and tips. UFABET

Probably the most excited players of live dealer casinos are the new players. This is so because the concept of the games is still very fresh to them. In other words, there is still the sense of mystery that players await and expect in casinos. Moreover, new players always have the excuse of not totally knowing the game yet. Thus, it is not sinful for these players to commit mistakes and lose some amount of amount as a consequence.

Another advantage that new players get is the privilege of not having to deposit any amount of money to be able to play. Most online casinos offer the ability for new players to play for fun, and not for money. As such, new players are not expected to lose money right away. To top it all, new players are allowed to play with casino credits which mean that they will not be losing any money while still learning to play the game.

In addition, many online casinos offer various playing options for new players. These options include playing simulated or live games. Moreover, options also include playing for fun or playing for money. For more practical reasons, it is advisable for new players to play the simulated games early on in their careers. This is because simulated games provide new players the avenue to develop their skills and confidence.