Overview of Online Casino Software

The most common form of the online casino is obtaining downloadable software usually for free once the gambler surfs to any online casino on the internet. In fact, many sites offer the download as an automatic process to encourage gamblers to play for fun or money, besides bonuses and other incentives.

An online casino offers as the main advantage, to allow you to take the gambling room to the comfort of your home by just installing the software that connects to the online casino service, which handles all contact without any browser support. This makes any game easy and faster to play. Audio, video and graphics reside inside the application and there you will not have any waiting time for the games to load as you do when you are playing through the web browser.

Downloadable software offered by an online casino may include a single game or a number of popular games including poker, video poker, blackjack, baccarat, slot machines, roulette, and craps, among the most popular casino games, also available outside many land-based casinos where they are playable on simulation machines.

As soon as the first online casinos started to operate, online casino software began its development. One of the first companies producing casino games was Random Logic, founded in 1996 and currently licensing its software consisting of 6 video poker games, 5 progressive jackpots and 15 new slots, to Cassava Enterprises with exclusive rights.

This company also implements and develops online transaction processing systems and other tools for tracking and analyzing internet-marketing campaigns, including but not limited to the gambling industry. This is another branch of online casino software for gamblers seeking to analyze their chances to win.

Casino software generally provides a predictable long-term advantage to the house, but offering the gambler possibilities of a large short-term payout. The advantage of online casino software is the way gamblers get an illusion of control with the given choices, although such choices do not eliminate the long-term disadvantage risk, or in other words the house advantage.

Some gambling companies are developers of their own software, for example, CTXM a software company with roots in the Insurance financial area and owner of gaming related domains operating since 1997. CTXM not only develops internet payment systems for several of the biggest online gaming companies but also online casino software including sportsbooks, race books, and casino platforms, system maintenance and other projects including security consulting and game application development with a Microsoft Xbox Division.

At the present, the gambling industry has listed a large number of online casino software developers including companies like Dynamite Idea, WagerLogic, NetEnt, Sunfish, Digital Gaming Solutions, Parlay Entertainment, Gamesys, Dobrosoft, IGW Software, Eclipse Gaming, Boss Media, IQ-Ludorum, SkillJam Technologies Corporation, World Gaming, Ongame, vsGaming, RealTime Gaming, Chartwell Technology, Microgaming, Orbis Technology, Finsoft, Wirex and Electracade just to name a few.



Source by Natalie Aranda

A Comprehensive Guide In Choosing Used Vans For Sale

When it comes to vehicles, vans are one of the most popular options since it provide numerous benefits for individuals. For one, vans can be used in different purposes. Next, vans are very reliable. And, vans have good value in case that you plan to sell it in the future. However, buying a new one can be very costly. That is why, more and more individuals are opting for used vans for sale. To help you the best used van, below are some factors you need to consider.

Model

First and foremost, when searching for used vans, it is important for buyers to check the model. This is important since there are numerous models to choose from. And, each model offer unique features that can match a driver’s need. Plus, older van models are cheaper than new ones, which can benefit individuals who have low budget.

Engine

The next factor that individuals need to consider when searching for used vans for sale is the engine. Apart from interior and exterior features, van models also differ in the engine. Some engines are equipped with more advanced technology for better response, while some engines are built to provide you with power. Not to mention, you may also find used vans that use gas or diesel engines. So, it is important that you consider these factors in order to help you make better buying decisions.

Space

It is also best that you check its space. Some vans have larger interior space than others. And, these vans are commonly used by individuals who are looking for a vehicle that can be used for private as well as business purposes. Other than that, space is crucial especially if you want to provide comfort for the whole family when travelling.

Maneuverability

Individuals must also consider its maneuverability. Vans are quite huge. Thus, driving on tight spaces can be stressful. This gets even worse if the van you purchased does not have good maneuverability. Vans with good maneuverability can also help you reduce the risks of accidents.

Parts availability

Finally, it is also best that you check the availability of parts of the van before purchasing. Surely, you can find used vans with low mileage or even vehicles that are in pristine condition. However, with regard to parts, finding one can be hard. So, make sure that you choose a van that have accessible parts. In this way, you can maintain the vehicle easily and properly without spending too much.

These are some of the most important factors that individuals need to think of when searching for used vans for sale.



Source by Alice P Reed

20 Reasons To Lease Equipment

There are numerous benefits of leasing, a method of financing equipment which has been popular for many years. It provides some very unique benefits over conventional bank financing or an outright purchase, and here are 20 reasons to lease equipment.

1. Pay As You Use

Leasing highlights the utility value of the equipment. In other words, leasing provides the opportunity to pay for equipment as it is generating revenue for the company. No different than paying employees bi-weekly or monthly as opposed to pre-paying them for the next 2 or 3 years of work. Both are assets of the company, and it makes no sense to pre-pay for either.

2. Payments Are Fixed

In most cases, lease payments are fixed for the duration of the term. This has a major advantage over conventional bank loans or purchases from a credit where the interest rate are commonly based on a floating rate. Knowing in advance what the payments will be, facilitates ease of budgeting and reduces interest rate risk.

3. Longer Terms / Lower Payments

Many banking institutions will limit the term of a loan to 12or 24 months, at which time the rate and terms of the loan are re-negotiated. Based on the useful life of the equipment being leased, it is not uncommon the see fixed lease terms as long as 48 or 60 months. This in effect lowers the monthly payment at a fixed rate.

4. Obsolescence Protection

In this era of major technological advances, certain types of equipment purchased today, can be obsolete within one or two years. Most leases offer a provision to economically upgrade equipment within the last year of the lease contract thus giving the company a built in obsolescence protection. In addition, although the leasing company holds title to the equipment, the will generally allow the vendor to provide a trade in on the existing equipment.

5. No Down Payment

Conventional banking institutions will generally require a down payment of 10%-25% in order to undertake financing on most equipment. In a lease transaction, the entire amount is financed with only the first or first and last payment being required at the time of lease inception. In some cases where the financial strength of the company is not sufficient to support the amount being leased, a small down payment may be required.

6. 100% Financing

Traditional financing methods will frequently not allow soft costs such as installation, freight, maintenance, and software to be included in the loan. These must be paid directly out of working capital. A lease, on the other hand, will allow soft costs to be included, thus conserving working capital and allowing for a single monthly payment for the entire acquisition.

7. Fast And Easy

Depending on the dollar amount of the acquisition, a traditional loan may take many days and require approvals from higher levels within the financial institution. This can mean delays in getting the order placed for the much needed equipment. The credit process for a lease acquisition is generally much faster and can be as quickly as a few hours up to a couple of days. Again depending on the size of the acquisition.

8. Creativity And Flexibility

Banks are typically known for their creativity and flexibility. The are bound by the Bank Act which limits some of the things they can do to assist their client base. Leasing, on the other hand has evolved into a method of financing which focuses on the specific requirements of the client. Payments can be structured to accommodate irregular revenue streams during the year or set up to match payback on a piece of equipment that has a quantifiable monthly savings. Leasing is the ultimate form of creative financing.

9. Purchase And Renewal Options

At one time leases were structured in such a way that the only purchase option available was the Fair Market Value of the equipment determined at the end of the lease term. Over the years, the market has made it clear that they want a better define purchase price set out at the inception of the lease. As a result, most leasing companies will set a mutually agreed upon end of term purchase price at the outset of the lease. This can range from $1.00 to 25% and is often reflected in the monthly payment. In addition, the purchase option can again refinanced under a new lease contract generally over a 12 to 24 month term.

10. Conservation of Working Capital

In a recent industry survey, the number one reason for leasing equipment was conversation of working capital. By using lease financing, working capital is freed up to be used in the day to day operation of the business for things such as purchasing inventory, advertising, trade shows, and hiring employees. Essentially, leasing allows a company to reduce the amount invested in a depreciating asset, and use the money where it will generate a higher return.

11. Simplified Forecasting

Lease payments show up as an expense on the company income statement. Because payments are fixed and pre-determined at the outset of the lease, companies are able to intelligently forecast and budget into the future.

12. Capital Budgets To Operating Budgets

Within large organizations, capital acquisitions generally require a higher level of approval than operating expenses, and as a result take more time. A lease acquisition, being a monthly expense, will generally fall within an operating budget affording managers within various departments or business units to approve acquisitions of much needed equipment.

13. Tax Benefits

Because lease payments are treated as an expense on the income statement, the payments can generally be written off. Because each company has unique financial circumstances, and accounting firms which differ on the accounting treatment of a lease, it is suggested that the accounting firm be consulted prior to making a decision to lease on the sole basis of tax advantages.

14. Low Interest / No Interest Programs

From time to time vendors of equipment will offer time sensitive low or no interest marketing programs to help them sell slow moving inventory. It is prudent to watch for these types of programs or ask the vendor if they have any leasing incentives available.

15. Master Lease Agreements

A Master Lease Agreement is simply a document which contains all of the terms and conditions of the lease and is signed once and covers all future lease acquisitions. Generally a lease line of credit is pre-approved for a dollar amount which will accommodate anticipated acquisitions over a period of time. As equipment is acquired, a simple one page document is signed. This saves time and is effective in an expansion or a major project.

16. Preserve Bank Credit Lines

No company wants to be operating at the top of their credit line and are often reluctant to approach the bank for a credit line increase. It is prudent business practice to have funds available for unexpected events-a slow month or quarter, unpaid receivables, or an unexpected damage claim. The use of leasing creates a new credit facility without any effect on the banking relationship.

17. Hedge Against Inflation

Leasing allows for payment of in dollars, and in turn pay those costs incrementally in inflated future dollars, as the equipment is used.

18. Competitive Edge

Staying ahead of the competition often requires the latest and best technology. Leasing equipment lets you do the job more efficiently, more effectively, and more economically. In addition it provides the advantage of continually upgrading to latest available technology at a reasonable cost.

19. Sale And Leaseback

A Sale & Leaseback is a specialized lease transaction where the leasing company will purchase unencumbered equipment, at a fair market price from a company, and lease it back to them. It is a tremendous way of freeing up capital which is tied up in depreciated assets.

20. Enhanced Corporate Image

The vehicles in the fleet and the equipment in the production, all have an effect on the corporate image. Leasing allows assets to look new, fresh, and and create the image of a successful company.

In summary, leasing came about as a means to acquire equipment and it is no wonder that many equipment manufacturers have set up their ow leasing arms to help their customers acquire products in the most effective way. Leasing just make good business sense.



Source by Kelvin Johnstone

Summer Car Care

Summer is right around the corner and with so many people saving money these days, a lot of you are thinking about driving to your summer destination instead of flying. There's a few things you should consider before you head out on your summer getaway.

If you have not had your car in the queue for maintenance in the last few months, it's a good idea to get it into the mechanics shop a week or so before your trip. Have the mechanic give your vehicle a once-over by checking the A / C system, cooling system, the condition of the tires – inspect the tread depth, look for cuts in the sidewalls of the tires and check the tire pressure, check the belts and hoses for cracking and replace them if necessary, the windshield wipers may need to be replaced as well, do the oil-change or replace the oil filters and make sure all your lights are functioning properly.

After the mechanic inspected your car, you should also pack the following backup items for your road trip. One gallon of 50% coolant to 50% water, 2 spare quarts or oil, one gallon of windshield washer fluid, flashlight with spare batteries, screwdrivers, flares, pliers, jumper cables and first-aid kit.



Source by Oh Srichaphan