False Card Dealing

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May 022023
 

False Card Dealing:

Riffle Stacking


To learn all of the tricks in playing cards, you must learn about the False Deals. Mainly we’re going to talk about Riffle Stacking, because it is the most challenging false deal that you can perform as well as the most affective.


It is the most challenging type of False Deal, because you are arranging the cards while actually shuffling them. Let’s go into a little more detail of what I mean by arranging. You can start off with the two cards that you wish to have in your hand on the top of the deck. These can be obtained best from the last hand, and it’s your turn to deal. Now that you have your desired hand, you need to find the number of players you are against. For an example, we’ll say there’re four players in the game. Since you are the 4th to play, you simply need 3 cards on top of each of your cards. This will make your desired hand in the 4th position. Now, how do you pull this off while being watched?


First, split the deck in 2 piles, so that you can shuffle them into each other. With your fingers on the outside and your thumbs on the inside, you begin by lifting your thumbs as to flick the corners of each deck into the other. Without paying attention, this would be a fair shuffle. As your thumbs are doing this, you are paying attention to the face of the cards as they flip down right in front of you. With your cards on top in the right hand, you begin to shuffle. You let all the cards down until you get to your 2 cards. Then the left hand is all let down, but you hold back three cards. You then drop one of your desired cards from the right hand, drop the remainder three from your left hand, and then drop your last desired card from the right hand on top. On the second deal, you’ll basically do the same thing, but this time you’ll only need to hold back three cards in the left hand, and let them fall on top of your final desired card. In the end, you will be left with 3 cards, then your card, 3 cards, then your second card. It takes practice to get used to holding back a specific number of cards, so simply start off trying to hold back 1 card. After working your way up through practice, you’ll be able to hold back as many as 6 cards without even thinking about it.



Written by:

Rick Valois

www.TheZealofGaming.com

Title: Nokia N93 – for excellent images and quite a lot more

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May 012023
 

Technology has opened up a whole gamut of possibilities. What was considered distant and remote, even a few years ago, is now very much practical and achievable. One such fantastic idea that has seen the light of day is the creation of videos using mobile phones. Innovative handsets such as the Nokia N93 have realized this and other wild dreams of the tech-savvy user.


To reiterate, the Nokia N93 mobile phone can be used to produce videos, the quality of which is nothing less than those obtained as DVDs. As a matter of fact, the Nokia N93 is a handset with advanced imaging capabilities. This mobile phone from Nokia is empowered with Carl Zeiss optics; a megapixel camera with 3x optical zoom is in-built into the handset model.


Because of its sophisticated imaging options, it is possible to use the Nokia N93 to capture both static as well as moving frames from life, a fact which renders it in good stead among people with an active interest in photography. Advanced features such as digital video stabilization ensure great shots, even when the conditions are far from perfect. A high-definition 2.4″ display enhances the viewing experience.


And if you are interested in watching images and video clips on the big screen, then that is also possible. The handset can be connected to a compatible television using Wireless LAN and UPnP technology. Quite amazing, isn’t it?


Get hold of this Nokia mobile phone for a truly unbelievable experience! In the UK, the Nokia N93 is part of attractive contract mobile phone deals, offered by leading mobile service providers. The cost effective tariff options and affordable line rentals make these deals invaluable to end users. One can visit the online mobile phone shops, in which these deals are featured and choose a specific deal to enjoy all the advanced imaging options of the Nokia N93 at industry leading costs.


Nokia N93

e-Christmas Shopping on a Rise!

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Apr 292023
 

According to the latest estimate, a massive 56% of the Europeans would be shopping online this Christmas. This trend is indicative of the fact that more and more people are now preferring to shop from the comforts of their home rather than crowding the High Street. The estimate, on one hand would send warning bells ringing for the traditional retailers and on the other would act as a joyous signal for the e-tailers who should be elated by the prospect of dizzying rise in sales.

According to a recent survey by TradeDoubler, a European provider of online marketing and sales solutions, Europeans plan to do almost 20% more of their shopping online this Christmas season, compared to last year. This sudden hike in online shopping is attributed predominantly to the proliferation of broadband in UK homes, as well as to the time saving factor and competitive online fees.

Compared with last year’s pre-Christmas period, internet sales have risen 50%, while High Street sales have risen just 0.9%, according to IMRG, which is a representative for e-tailers. Additionally, TradeDoubler expects a 100% increase in number of consumers doing at least half of their shopping online. As a consequence, the e-tailers are busy preparing to better manage the sudden rush this festive season.

Another factor that makes e-shopping such a preferred option is the discounts and bargains that e-tailing web sites abound in. The Cashbacks, referral bonuses and freebies also add their bit to wean away the shoppers from their traditional, time tested ways. So get set, be prepared for the best online deals possible this season and shop away from the crowds.

With e-shopping outdoing the traditional ways of High Street shopping this Christmas, e-shoppers are in for a gala time! Huge Cashbacks, freebies and discounts are all up for grabs on the internet, and so are the best deals!

Motorola V220: Mobile phone with a difference

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Apr 122023
 

The Motorola V220 is all set to impress you with its curvy and sleek design. With sophisticated keypad and quality colour screen, this phone comes in a silver casing to tempt you. It has all the features to serve your communication as well as to entertain you. An integrated digital camera, picture phone book, MP3 ringtones and funny games, get all these features in one. What’s more, you can add the optional FM stereo radio–move your legs with the rhythm. All features make this handset a smart one.


Take the photo with a high quality integrated digital camera and 4x digital zoom. Capture the picture with a small push of the user-friendly keypad and make fun out of it. The high colour screen makes it easy to view the crystal clear picture.


The picture phone book allows you to fix a photo against the phone number in your phone book. Whenever you receive a call, instead of displaying the phone number, a photo of the caller will be displayed on the screen. This gives a real experience of talking.


Enjoy excellent game in your own handset. The embedded games include Hungry Fish, OptItOut and Photo Editor. Apart from that you can also download latest games from the Internet. Play games in your leisure time or anywhere you go. With Motorola V220, everything is possible.


Personalize your ringtones and stand out of the crowd. With polyphonic ringtones, MP3 ringtones, you can easily select a particular tone and personalize it. Download latest ringtones to make a difference.


For more entertainment, you can add the FM stereo radio handset which is an optional feature. Add FM stereo radio and enjoy all time hit music from your favourite radio station. The handset also comes with mobile phone tools software that allows you to communicate and keep you totally organized.


All these excellent features can be yours through the mobile contract deals. Get Motorola contract phones from the UK mobile networks. Almost all the networks available in the UK offer such deals. Get connected with the deal and enjoy cost-effective and seamless connectivity with lots of incentives.


Mobile Phones

Liar, Liar, Pants On Fire…”Liar Loans” Lead To A Spike In Mortgage Foreclosures

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Apr 042023
 

It starts out all so innocently, the loan application (1003) is filled out while gathering the income and debts verified through credit reports and mortgage payoffs. Then the Debt To Income Ratio (DTI) is calculated dividing the debts including the new housing expense by the income and wham, it happens. The DTI is over 60%. Conventional loan guidelines historically have been around 28% for housing expenses including taxes, insurance, private mortgage insurance and homeowner maintenance fees. The total debt ratios had been around 36% for all monthly debts including the housing expense. With computer modeling and automatic approvals some DTI ratios have been allowed to float up in some cases to 50% to 60% if the borrower has lots of assets and the loan is on a full doc basis. As time passed, more and more hybrids began to show up. Mortgage Brokers were inundated with this new loan product called Stated Income. Simply the borrower would state their income on page two of the 1003 loan application and ratios would fall within lender acceptable limits. The original thinking by lenders were grounded in the premise that many busy well to do borrowers didn’t have time to compile tax returns and a litany of proof of their assets. This especially applied to borrowers who owned a multitude of income producing properties or had filed for extension on filing a personal or corporate return for a self-employed borrower. This was a very popular plan and billions of new mortgage originations were sold using the Stated Income or other derivations of the basis plan. It was great for self-employed borrowers who found it difficult to compile in a timely manner all the documentation for a fully documented loan which would use tax returns and a year to date statement from a CPA.

Later on, due to the heavy volume of mortgage business and a desire on part of lenders to expand this popular niche into other areas W-2 wage earners were allowed to state their income as well as those on fixed income such as social security, disability and pensions. For a few years this seemed to be ok. However, as time went on, and the economy in various parts of the country began to slow down, borrowers with stated income loans began to have an inordinate amount of foreclosures. At this time, Stated Income mortgage loans rival the Option ARM for frequency of foreclosures. Fraud reared its ugly head as participating players in the loan process were structuring deals with phony baloney borrowers who didn’t exist. These phony buyers are called “straw buyers” by prosecuting attorneys. Many times the first payments were never made. Most mortgage brokers and lenders have buy back agreements from the secondary markets so when a loan goes bad the originator is on the hook to buy the loan back. If fraud was involved, that shop many times already closed up and had run away with any ill-gotten gains together with the rest of the crew who were working the scam. Those players are prosecuted and serve prison time for their sins.

The other borrowers who were just trying to get a loan to pay off debts and a few months down the road after the new mortgage was in place were not able to make their payments. A Notice of Default is sent to the borrower with foreclosure action following when mortgage payments are not made. In a foreclosure process, the lender holding the bag goes back through all the files looking to perform an autopsy on the loan to determine what happened. Every piece of paper is examined, verifications are double-checked with a high powered microscope. All who committed a fraudulent lending practice are sought out and demands are made for redemption and loan buy back. Some enterprising participants had provided false bank statements and other loan documents, which were in fact fraudulently created on a fine computer word processor. The fix had been in.

Many of these stated loan products were all the rage then the fraud hit the fan. Borrowers could not afford the payments and did not even come close to having enough to even live on. Major changes are afoot. Many mortgage brokers exercise much self-discipline and will not even consider a Stated Loan with someone on fixed income. Where is the “real” money going to come from? Guidelines are tightening well after the horse has escaped from the barn. There is a web page called www.salary.com that gives the high and low range of income for various occupations. Lenders will immediately check this to see if the Stated Income is within this range. In the past, many times, these loans were done with a wink. This is no longer the case. Recently, Form 4506, which is an IRS form that a borrower signs allowing the lender to check with the IRS and determine income from the borrowers tax returns and W-2s if any. Formally this verification process with the IRS was a time consuming endeavor, but this is not the case anymore. For like $4.00 per file, a lender can access, with the borrower’s written permission, an online web site and access the IRS site to verify income. Many lenders will not close the Stated Income loan without an IRS Form 4506 being signed. Many of these loans are sold into the secondary market that helps keep the mortgage money supply flowing. As more and more foreclosures ensue from the Stated Income Mortgage Products there will be a major shake out with tightening of regulations and a search for any player, including the borrowers, who may have had a hand in this “Liar Loan” product. The fallout is already underway.

What is a borrower to do? For one, look for mortgage products that do not require stating a phony income number. A No Doc loan requires stating No Income on the 1003 loan application. A No Ratio does not require income to be listed but verifies employment and term on the job. It has to make sense. The days of loose lending may be over for many. Bottom line, if it doesn’t make sense, it probably is not a good loan. Think long and hard about using a Stated Income loan product. If it conforms with what it originally designed loan program for the busy borrower with lots of cash and assets and no time to pull things together, great. If not, think about passing for some other loan product. It could impact your walk around freedom. A negative loan experience will certainly impact a borrower’s credit and help precipitate a long and painful recovery from this credit blemish resulting from a foreclosure. Find another mortgage product to achieve your financial goals.


Dale Rogers
www.brokencredit.com
www.sellerhelpsbuyer.com

Credit Cards – pros & cons

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Mar 292023
 

So you have decided you want a credit card. The very first thing you have to consider is, do you really need one? We all know that need and want are two different things and taking on a credit card is quite a big responsibility. Having said that, used correctly it is a very hand tool. Before you can work out which credit card is best for you, you have to realize what your personal requirements are, and go from there. As we all know, a credit card is also called plastic money because payment can be made just the same as using cash, but with this little bit of plastic.

Some people say that having a credit card is vital, considering the way we live our lives today, and for sure, they have a point. A credit card is a great route to establishing a credit rating. This wonderful thing called the internet is a great way to search for a credit card. There is no doubt that a big advantage of doing an online credit card application is that you can look at the myriad of cards available and their benefits, before deciding to apply.

A lot of people go for the type of credit cards that offer cash back on purchases, which can be very handy. If the credit card you are looking at is secured, this means you have to put a sum of money in the bank to secure the credit. Whichever type of credit card you opt for, of course, it’s your call.

One of the downsides of a credit card is if you fail to keep up the payments, your credit rating will drop. Although, to me the biggest danger of owning a credit card is how easy it is to get in over your head and run up a debt you can not afford. This risk of not controlling your spending and getting into bother is ever present, especially when you see how keen the credit card companies are to keep raising your credit limit. Another downside is that some shops and restaurants add about 8% commission to your bill.

To sum up: There is a world of choice in the credit card market, so make sure you do some research and have a good look round. There are some great deals out there.

LG U880 – Truly a distinctive class in itself

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Mar 222023
 

A camera phone with all the third generation (3g) capabilities—this is LG U880 for you. As a user, you get so much to do and enjoy with the LG U880 like video calling and video telephony. Its 1.3-megapixel camera augments its value, as it is an integral part of this superb handset.

The LG U880 is quite a slim phone in its profile. It does look enticing and cool, the way it is designed. It is available in a clamshell form and because of this design LG has earned favour from the mobile users around the whole world. Besides, being stylish, the LG U880 mobile phone is packed with superb features and it is light in weight, which makes it very easy to use.

One of the most interesting features of the LG U880 is that it has an in-built multimedia player. As a user you can use this feature to play your favourite tracks in the music formats of MP3, AAC and MPEG4. To ensure quality sound, it is loaded with Stereo sound and 3D surround sound feature.

As far as storage capability is concerned, the LG U880 comes with 75 MB of user memory. Well, there is an external memory slot, which can be used to store other stuff such as files, music, images and video clips. On the other hand, you can also send SMS, EMS, MMS and email messages to stay connected with your friends.

For someone looking forward to acquire the LG U880 can go for the LG contract phones deals. Well, all the leading network operators in the UK do offer attractive LG contract phones deals to attract more and more customers. To get more details, the user can do a comprehensive research on the Internet. Afterwards, there is every possibility that the user would get affordable tariff options and other offers like free line rental and free mobile handsets.

Mobile Phones

Nokia 5300: Sporty look with multifaceted features

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Mar 212023
 

The Nokia 5300—a sporty and rugged phone comes with a list of features. The red colour stripe matches with the XpressMusic quality it has. The keypad is very soft and has a tight, rubbery feel. The slide phone has everything including a digital camera, music player, FM radio, Bluetooth, WAP, etc. Enjoy the entire features wherever you go.


Music is obviously one of the most important features of Nokia 5300. Unlike other music phones, Nokia 5300 brings true music for you. Touch the soft button and start enjoying music wherever you go. It has a built-in music player and it allows you to enjoy music in different file formats such as MP3, MIDI, AAC, AAC+, enhanced AAC+ and WMA format. This handset comes with a built-in FM radio that allows you to select the favourite radio station and enjoy your favourite music station and other radio talk show.


The Nokia 5300 comes with 5MB of storage capacity plus a MicroSD memory card for additional storage. The external memory expands the phone memory up to 2GB by inserting the additional memory card. You can save up to 1500 songs on your phone. The battery backup of Nokia 5300 is very good. It has 23 hours of standby and up to 12 hours of music playback time.


The Nokia 5300 comes with a 2″ screen that provides up to 262k colour on an attractive QGVA TFT display. Use the integrated 1.3 mega-pixel camera with 8x digital zoom to capture quality photos. You can also take video shoots in different modes which is portrait mode and landscape mode.


Go wireless with Nokia 5300. The compatible wireless technology allows you to connect other devices without using a wire. Browse the Internet using the HXTML browser.


You have contract deals available on different network service providers. Get Nokia contract phones and enjoy offers like free minutes, free texts and other incentives, etc. Get the phone and enjoy.


Nokia 5300 XpressMusic Mobile Phone

Excited about Weight Loss Diet Pill

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Mar 182023
 

Are you fade up of your over weight and now want to be in good shape. Weight loss diet pills used to suppress appetite and now being sold by a variety of companies. Weight loss diet pill helps to be in good shape and to be healthy.

Consult your dietician to know more about weight loss diet pills and which product is more suitable for your health. There are number of companies which make weight loss diet pills you just have to0 take precaution that which product is sale by its brand name and which is by more demand in the market. Find out the best weight loss diet pills and how they work and what are there side effects.

Number of people prefers to join gym. But many times it’s not possible for people working in office and they start gaining unwanted weight which plays very important role in other health problems. Weight loss diet pills are the best thing to reduced your over weight without changing or disturbing your routine life.

Weight loss diet pills are available for people of every age group. They are companies which deals in variety of diet pills like herbal diet supplements and many other which can be found in the market without doctor prescription.

A very wide Varity of diet pills are available in the market and they can be purchased without doctor prescription. Before going for any product find out the side effects and the promises they live up to. The Diet pill market is growing rapidly as now people are become more health conscious. Numbers of weight loss diet pills are available in the market which does promises but they won’t work as they assure the customers. It’s always good to consult your dietician or doctor before buying any weight loss diet pill.

Mobile phone deal: Grab the right deal at the right time

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Mar 082023
 

Are you one of those who can’t get their desired mobile phone because of the hefty price? If yes, then mobile phone deals can fulfill your dream of getting your most wanted handset.

Mobile phone deals are an ideal way to buy your desired phone at the most affordable price. In fact these deals are the most easiest way to grab your handset whenever you find a deal that suits your calling needs. No more have you to dream about owning a fancy handset. Offers like free handsets, free accessories, discounts, cash back offers allow you to afford the handset with high tech features. There are cheap mobile phone deals offering you stylish and sleek phones with free line rentals.

You just need to know what kind of mobile phone and mobile phone plan you require. All you need to do is go online and grab the best deal at the right moment. Various networks with various offers are waiting for you to be explored. These mobile phone deals are prepared keeping in mind your communication needs and calling habits of people belonging to different sections of society so that you are bound to find a deal that suits you. You can get the most out of your money by having the latest camera phone or music phone. The best part is that you get to own a free mobile phone!!

In this developing mobile industry, as the popularity of mobile phones increases, more and more handsets are becoming available with the new technologies, offering a variety of features. At the same time, the networks intend to offer a mass of tariffs to suit every customer. But before you choose the style, size and network plan, you just need to figure out your communication needs and then select the mobile phone deal that would work for you.

Christmas Gifts: 7 Secrets to Getting More and Spending Hundreds Less

 Fragrance  Comments Off on Christmas Gifts: 7 Secrets to Getting More and Spending Hundreds Less
Mar 062023
 


Let’s face it — just about every one of us feels the financial crunch Christmas gifts put on our wallet at Christmas time.


The more we have, the more we’re expected to spend on our Christmas shopping, and the fact of the matter is, some of us really don’t want to spend all that much. That doesn’t mean we don’t want to give our friends and family excellent Christmas gifts — but it does mean we want to do it within a reasonable budget.


If you’re looking for ways to make your Christmas shopping budget stretch like never before, read on…


1. Be an Early Bird


Those who are serious about saving money on Christmas gifts this year really do need to follow the example of the early bird.


If you wait until the last minute to buy your Christmas gifts, you’re really not going to have time to shop for bargains — and there may not even be bargains to be had at that exact point in time. Because of this, start looking for Christmas gifts now so you can jump on the great deals the minute the stores list them.


2. Be One of the Nutcases on Black Friday


I know, I know. We all like to laugh at the people who get up at the crack of dawn on Black Friday (the day after Thanksgiving) to stand in line for the hottest deals of the year.


Don’t be so quick to judge!


Those people who are waiting in line are savings hundreds, maybe even thousands, of dollars on their Christmas gifts. DVD players for fifteen bucks, 14k gold bracelets for $19.99, toys for fifty percent off (and sometimes even free if you meet minimum purchase requirements). What more could you ask for?


On Thanksgiving morning, get the newspaper and start flipping through the store ads. Make a list of what you want, go to bed early on Thanksgiving night and wake up at about 4:00 a.m. on Black Friday.


But wait! Don’t leave your house just yet.


See if the online stores are offering the same deals as the brick-and-mortar stores. You’ll still have to be up early, but you won’t have to leave the house or deal with the crowds. Who knows — you may get every single one of the Christmas gifts on your list for a lot less than you would have paid any other day of the year.


3. Price Match


Okay, let’s talk about Black Friday again. When you’re looking through the Black Friday ads in the local paper, you’re going to notice that the hottest deals are only available between certain hours (usually 6:00 a.m. to 10:00 or 12:00 depending on the store).


How can you possibly hit all of the stores during those times? You don’t have to.


If you see things you want at two different stores and you don’t think you’ll have time to go to both of them, find out if one of the stores offers a price match policy. If they do, make sure they carry the item you want from the other store (make sure it’s the exact same item with the same UPC number, serial number, etc).


If the store price matches and carries the item, just go to that store with the flyer from the other store and get all of your Christmas gifts from the same retailer.


4. Become a Predator


If you really, really want to save money on Christmas gifts this year, you need to become a predator. What is it that you’re going to stalk?


Deals of course!


Take the time to hunt down the deals. Every week between now and Christmas, visit the various deals forums on the Internet and check out what’s going on that particular day or week. You’ll be surprised at the great deals you can on Christmas gifts find by hunting for deals as part of a pack.


You can find lots of great advice on how to save money on your Christmas gifts at WowChristmasGifts.com.


5. Hit the Outlet Malls


Outlet malls can be a great place to shop for Christmas gifts, but not too close to Christmas. Within the next week or so, go to your local outlet mall (even if you have to drive an hour or so to get there).


Many of the stores will be in the process of marking down merchandise to make room for the new stuff that will be coming in during the Christmas season. It’s the perfect opportunity for you to pick up some Christmas gifts at a great price.


6. Shop the Online Pre-Season Sales


Before Thanksgiving, thousands of websites put their items on clearance to get ready for Christmas. This means great savings for you. Don’t be surprised to find a number of online stores offering discounts of 70-percent or more and don’t forget to check out the overstock websites. It’s a great way to get Christmas gifts at unbelievable prices.


7. Regift


Yes, I know, it’s the four-letter word (okay, actually six-letter word) that no one likes to admit to. The fact of the matter is, there’s really nothing wrong with regifting as long as you don’t end up giving your gift back to the person who originally gave it to you, and you think the person will like the gift.


Did you get an expensive candle that you just can’t stand the smell of? Regift it! Did you receive a boutique sweater that you wouldn’t be caught dead in? Give it to Aunt Jan — she’ll adore it. If you’re creative and discreet, regifting is a wonderful way to save tons of money on Christmas gifts.


So now you know exactly what you need to do to save money on Christmas gifts this year. Put the advice to the test. Write down how much you save on every single gift and then total it all up when you’re done shopping.


The total amount you save on Christmas gifts may surprise you!