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Where to Turn When Gambling Debt Gets Out of Hand

When you file bankruptcy, you agree to give up the majority of your assets to a trustee assigned to your case, who is turn sells them to settle your gambling debts. While you don’t lose everything in a bankruptcy, you could potentially lose your home (or at least a significant portion of the equity), your vehicles, and other possessions, depending on the Province in which you reside.

A debt consolidation company can also work on your behalf to negotiate lower rates with creditors or to freeze interest rates. They then arrange for you to pay them one monthly payment and distribute it to your debtors accordingly.

Learn how Bankruptcy Trustee can help you today with filing bankruptcy in Calgary. If you are threatened by a loan shark or other lender or otherwise feel harassed, it’s important to call the police. This is different from a debt consolidation loan because the debt consolidation company does not loan you money.  It’s important to weigh the pros and cons of debt consolidation before opting for it. This should be the very last resort. Steer clear of any organization that requires large fees or asks you to make your debt payments to them. In addition, support groups can also guide you to reputable outside sources, including debt consolidation or debt counseling companies, which can also help you with your financial planning. Once you overcome your compulsive gambling, you will be better prepared to take control of your finances. With this method, you take out one loan, which is used to pay off your debts. From there, you make one payment each month. Not only do these groups help support their members through gambling recovery, but they also provide counseling and tips for getting debt under control. Stop by Bromwich & Smith, Inc.’s site where you can explore their educational resources.

It’s also important to note that some gamblers incur gambling debts from disreputable lenders or loan sharks.

There are many gambling support groups, including Gamblers Anonymous and Recoveries Anonymous.

Debt consolidation is a way to combine your debt into one monthly payment as opposed to multiple payments each month.

Support group

If you are experiencing a number of financial warning signs, or if you no longer have money left over each month to pay the bills, your debt may truly be out of hand.

About Krista McDonald

Credit Counseling. In this case, a number of resources exist to help you handle your gambling debt:

Professional Help for Gambling Debt

Regardless of where you turn to help you with your gambling debt, whether you opt to manage it yourself or go to a professional organization for assistance, it’s important to get help for the root cause of the problem–the gambling itself. If you opt for credit counseling, make sure you go with an organization that is accredited and non-for-profit.


Debt consolidation

Credit counseling organizations, such as Credit Counseling Canada, work with people who are in debt to help educate them in paying down their debts and managing their finances. Most Medicine Hat bankruptcy lawyers will provide free consultations and let you know whether or not bankruptcy is a good option for you or not. Often, under-the-table lending is not covered under bankruptcy laws and is frequently coupled with very high interest rates

How to Make Money Handicapping Horse Races and Betting on Horseracing

That edge is what separates gamblers from handicappers and is why, in the long run, handicappers win more, but in all fairness, they don’t just win it, they earn it.

For some people, horse racing handicapping is an intellectual sport and they prepare themselves and work hard at it. The ones who depend upon luck or some other esoteric method are more like lottery players than handicappers, but the thing they all have in common is that all there money goes into the same pool and some from each group will be successful while many will not.

On the other hand, the ones who depend upon luck invest nothing but money and very little time. There are many more people, perhaps millions around the world, trying to make money betting on horse races depending upon luck or some other system to be a winner.

Your chances of success are much greater if you educate yourself, prepare, practice, and work hard, but there are no guarantees. There are thousands of people trying to make a living from horse racing by handicapping the horse races and then betting on horse races. If the success rate for handicappers is 5-10% then it is probably 1-2% for those depending upon luck.

The big advantage that the handicapper has over the gambler is that he or she has an idea of each horse’s chances of winning and therefore, how much a horse has to pay to win in order to make money on such bets in the long run. The only work they do is to walk into the club house and maybe read a simple list of horses and riders. The thrill of winning is probably pretty close to the same for each group, though the handicappers also have the satisfaction of working hard and getting rewarded for it.

The way you make money handicapping and betting on horse races is in finding a good bet.

Learn Online Sports Betting

Culturing the fundamental stipulations would be a great initial point. Later on all, it’s not just a stuff of only selecting out any arbitrary booker who’s keen to take suggestions.

Making effective bets is truthfully pleasant. And, if you are seeking some tips related to online betting make sure to visit this link.

Author’s Bio: . However, for novices, they can simply obtain this capacity by looking for a variety of trustworthy tips concerning introducing digital bets.

After getting a reasonable clasp on the most frequently used sports gambling terms, novices can develop towards consideration sports gambling odds. This is significant, as the match rotates in the region of these odds. Nevertheless, on behalf of it to be worthwhile, gamblers must recognize how to play appropriately and maneuver precisely. It takes huge knowledge and investigations to do this. The method a player holds his/her cash in insertion bets online can also make or crack him/her. Nevertheless doing this might not be the simplest item to do. Also, a gambler who recognizes how to recognize and scrutinize the likelihood to the match can create an enhanced betting strategy, virtually giving that gambler and perimeter amongst the additional players.

To initiate off, it’s imperative for all aspiring gamblers to study significant terms used in gambling sports online. Novices can begin by scrutinizing pro-bettors at first. To assist them by this, they could also explore online for straightforward glossaries on the most ordinary stipulations used in placing bets in cyberspace.

Long distance sports gamblers may previously be acquainted with by at the present that a steadfast and secure gambler is one of the most significant things to appear subsequent to betting games online. That’s an extensive and deadly procedure and gamblers need to study the simple essentials.

If you are desirous to become a sports betting champ by mastering your betting skills, all you need to do is visit the site. They can maintain themselves modernized waiting they have a recognizable clasp on the stipulations.

And finally, gamblers can also labor on learning how to expand good cash managing. This is where skill comes in versatile

Using Reverse Line Movement To Win

However, instead of the line rising as you might expect, it instead drops to Chargers -6. Keep in mind that NCAAB was the most liquid sport in terms of top-five sportbooks however, with not a single sportsbook making the top five both years. Furthermore, they list the RLM records for many individual sportsbook, making it easy to spot which books this system is working at and which books it may be best to ignore.

Thus, following reverse line movements is the same thing a following the smart money. This would make Miami +6 the RLM play.

So what causes RLM when the aim of most sportsbooks is to get as close to balanced action on both sides as possible? The answer to this is quite simple: the sharp bettors; the one’s who give sports betting advice. RLM takes place when more money/ sportsbook picks are bet by the small percentage of bettors that are on the unpopular side (the sharps) than is bet by the huge majority of players betting the popular side (the squares). Quite a few RLM followers watch the moves until almost game time, and then bet accordingly. The huge problem with this is that the nfl line, ncaaf line or nhl line may have moved too much by that time, and all of the value has been sucked out of the unpopular side.

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So what exactly is reverse line movement? RLM takes place when a large majority of bets are on one team, yet the line moves in the opposite direction. To illustrate, let us say that San Diego Chargers open at -7 over the Miami Dolohins, and over 70 percent of the sports bets placed on the game are on San Diego. The records quoted below are based on the bets being made at the triggering books, so beating the move by a half-point or a few cents now and then would actually make your record even better.

College Basketball sports betting was not too shabby either, with a two-year mark of 492-356-22, 58.0 percent, +91.96 units. Last year was a good RLM season for NFL sports betting (45-29, 60.8 percent, +11.91), but two sportsbooks that were in the top five in NFL RLM in both seasons.. Keep an eyes on the top five sportsbooks at Sports Insights though, as NCAAF sports betting has been very liquid in that regard, with only one sportsbook (believe it or not, Bodog) finishing in the top five both years.

NBA sports betting has the lowest two-year five-book RLM winning percentage among the 11/10 sports, but then again, every gambler in the world would kill to go 382-301-9, 55.9 percent, +48.90 units, and the 57.5 percent win rate this past season is nothing to sneeze at. This may enable you to get the stale more favorable sports betting line at the time the reverse line movement hits at the triggering Sportsbook. Keep a close eye on Canbet here, as that Australian sportsbook cracked the top five both years.

Also, games where over 60 percent of the public are on one side, yet there is reverse line movement of at least 10 cents on the Money Line from the opening number at the top five sportsbooks in MLB and NHL sports betting has also been profitable. Another important recommendation is to use a slow moving (but reliable) sportsbook.

The highest two-year winning percentage using RLM from the top five books belongs to College Football, which went 480-341-10, 58.5 percent, +95.10 units. We tracked the top five books for each of the pointspread sports for the last two years, as as you can see, this strategy has been profitable in every sport. This is where an important word of caution is in order though. Note that these records are for sides only and do not include totals.

The NFL sports betting is generally considered the toughest sport to beat, yet blindly following this method produced an exceptional 59.2 percent win rate last season, improving the two year record to 328-249-12, 56.8 percent, +59.06 units. Carib ruled the roost season at 93-66-9, 58.5 percent, +18.55 units after ABC held the penthouse spot in the 2007-08 season.

So what we recommend is to only use the top five each season for each individual sport (in terms of units won).

By: Manny G

To back this up, our friends over at have tracked the records for games where over 60 percent of the public has been on one side, yet there was reverse line movement of at least one full point from the opening number at the top sportsbooks in NFL, NCAAF, NBA and NCAAB. All of this will be fun to follow (not to mention profitable) when every sport except baseball are going on simultaneously during the winter months.

Now do the sharps win every single time? Absolutely not! However, they are right more often than they are wrong, so being on the same side as the sharps is a prudent strategy over the long run, and again, the best thing is that there in absolutely no conventional sports handicapping necessary..

The proper way to make a sports bet using reverse line movement is to place your bet as soon as there is an RLM of one full point (or 10 cents in MLB and NHL) off of the opening line. Sure, using this approach leaves open the possibility of the line turning around and moving back against you, but as you will see in bit, betting as soon as an RLM qualifies has been profitable in every major North American sport such as the last two seasons, so if one line turns around, so be it. It should be noted that many fewer MLB games have qualified so far this season (is the whole world using RLM now?), but smaller profits is still profit.Again, these records are for Money Lines only and do not include totals.Finally, NHL sports betting has picked up 148.49 units in two years, and unlike MLB, NHL had four sportsbooks out of the top five gain double-digit units this past season

Horse Racing Videos – The Greatest Horse Races of All Time

You have to pity The Bart, who looked a winner all the way round only to get out-bobbed at the wire. A desperate finish ensues.

1989 Breeders Cup Classic – Sunday Silence vs. But of course John Henry, one of the smartest horses as well as one of the best, did have a habit of doing that.

1991 Breeders Cup Juvenile – Arazi

The European superhorse Arazi stunned the world with his electrifying move to the front, passing horses like they were standing still. Sakhee

Taking place just a month after the tragedy of 9/11, this Classic matched defending champion Tiznow against the Arc de Triomphe winner, Dubai-owned Sakhee. Cigar

Two of the greats of the 90′s hook up in the Jockey Club at Belmont. East coast stalwart Easy Goer was out to avenge his Derby loss to California-based Sunday Silence. This is a selection of my choices for the greatest races since 1973, pulled from the great treasure trove of horse racing videos on Youtube.

1981 Arlington Million – John Henry

The great John Henry made the inaugural running of the Arlington Million a memorable one. Alydar

In the culmination of their great Triple Crown battle, the two greats battle neck and neck around the track, with the game and gutsy Affirmed prevailing by a head.  Keep an eye on Touch Gold, who stumbled at the break, but may have run the best race of all.

1987 Breeders Cup Classic – Ferdinand vs. Sadly, he never lived up the the hype thereafter, but this amazing race was the real deal.

1973 Belmont Stakes – Secretariat Wins Triple Crown

How could I start with anything else? I still get chills from watching this race, in which the great Secretariat not only sealed the Triple Crown, but shattered the record for 12 furlongs on the dirt. Easy Goer

Who was better, Easy Goer or Sunday Silence? This epic race may have finally answered the question, with former champion Blushing John tossed into the mix for good measure.

2001 Breeders Cup Classic – Tiznow vs. Cigar may have been just a trifle past his sell-by date after a long campaign that year, but he still gave Skip Away all he could handle. Fighting a quarter crack, he may not have been at his physical best here, but his heart was never in doubt.. Did Pat Day move prematurly and comprimise Easy Goer’s chances? Judge for yourself.

1988 Breeders Cup Distaff – Personal Ensign vs. The embedded video below is just the finish of the race; the full race can be seen at this link.

1996 Dubai World Cup Classic – Cigar

The mighty Cigar was going for his fourteenth straight win in the first Dubai World Cup. Even though I know who wins, I still found myself leaning in my chair as the two crossed the line together.

What are the greatest horse races of all time? I can’t claim to have seen them all, since my horse racing consciousness only starts with Secretariat’s amazing Belmont Stakes win in 1973, which I watched with awe at home with my family crowded around the TV set. Feel free to add your choices for the best races in the comments section below.

1989 Preakness – Sunday Silence vs. Easy Goer

It’s hard to imagine a more dramatic race than this. Tom Dirkin’s “Tiznow wins it for America”, may seem a bit over the top in retrospect, but at the time it had a real resonance. Preakness winner Louis Quatorze and Belmont winner Editor’s Note completed the field.

1997 Preakness Stakes – Silver Charm et al.

Silver Charm, Captain Bodgit, Free House, and Touch Gold, all amazing horses in their own right, battle it out in one of the best Triple Crown Races ever. AlyshebaThe two Derby winners hook up in a classic of Classics. From then on, I was hooked on the sport of kings. Note how Alydar fails to switch leads in the stretch, a flaw which may have kept him from besting his rival.

1996 Jockey Club Gold Cup – Skip Away vs. Chic Anderson’s superb race call complements the greatest race ever.

1978 Belmont Stakes – Affirmed vs. Winning Colors

The undefeated Personal Ensign in her last career race runs up against the former Derby winning filly, a revivified Winning Colors

Hockey Betting Guide

Don’t get fooled. Most sports bettors don’t think about this. Let’s say you are a $10 player and bet 100 times at a 53% winning percentage. The season is filled with betting opportunities. Decide how much you are willing to lose for the whole season. Betting is an ever-evolving process. Bet $10 every time you make a wager.

By: Sebastien Veilleux -

Hockey can be exciting to watch. Once you have them down, start to expand your horizons. If you do this, you are making the sports handicapper money–not yourself.

Point Two: Money Management

No, I am not trying to be Mr. $1,000 divided by 100 is $10. Let’s say that amount is $1,000. Your end of the road profit can be evaporated if you buy just one sports pick at $25. Let’s say 100, which is generally one a day or so. Start with these three hockey betting tips to get on the road to winning. There’s a good deal of money to be made in betting on hockey. Streaks can continue for a long time and they will continue until they are over. Your betting unit is $10. Obvious. What I mean by this is don’t second guess yourself. Use these to give yourself a better shot at cashing in winning tickets.

Point One: Pick the Winner. Most of these services are quite pricey. Never bet more than you can afford to lose. It’s pretty simple from here on out. Good Luck.

Author is an sport betting editor at, an online sportsbook review site. Today, I will go over a few hockey betting pointers. Some hockey bettors second guess themselves and end up losing more times than they win. Doing so will eat away any profit you made. Here’s an easy way to do it. Even if you are not a wild hockey enthusiast, having a wager on a hockey game will make it worth watching. They simply rush out to win for that day. Don’t worry about how many games a team has won or lost in any situations. He blogs on NHL hockey betting.

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The world is full of “pro” sports handicappers willing to sell you their winners. Next, decide how many bets you want to play at a minimum. What makes it even more exciting is betting on it. If you are a smaller player, you should never buy sports picks. Simply decide which team is better and throw your money down.

Point Three: Buying Sports Picks

Speaking of money, here’s an important point. Better yet, decide how much money you will bet per game and stick to it

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All About Horse Racing

This club served as a regulatory

authority, which ensured breeding maintenance and racing. Descendants of Darley Arabian were brought to Virginia. An Arab horse was imported to

England by king Henry 1, which was mated to get Anglo Arab breeds of horses.

In 1942, with the objective of encouraging ethical horse

racing, Thoroughbred Racing Association of the U.S was formed. Its headquarters

is in New York. Reforms and patronization was brought to horse riding by King

Charles II.

In the 6th century, Middle East Arab Horses were

introduced by Muslims. These horses were swift with racial superiority. This sport started flourishing in ancient Greek; however, in roman

times, it was not that emphasized. This entity was

further upgraded to The Bureau of Regularity American Thoroughbreds.

Racecourse of Roman times was constructed at London in 1174,

where saddle racing became famous. Pennsylvania

Virginia and Maryland became the house of horse racing in U.S.

As the interest of people in horses grew in 19th

century, a joint club called, ‘The Jockey Club’ evolved, which was an American

organization resembling The British Jockey Club. This sport is famous around the world including Canada, South

Africa, Australia, New Zealand and Mexico.

From first millennium B.C., the chariot races were known and

spread. This

breed was unknown to the Europeans till now. In 20th century, after the reformers demanded to

outlaw betting and bookmaking in different states, Florida and California

became an industry with horse races scheduled to year length activity.

In the United States, first race course was built in North

American Long Island. These races were normally up to the distance

of 4 miles. So, it remained less popular till the fall

of Rome in 5th century A.D.

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