Be A Clean, Green Shopping Machine

For many years, the economy in Australia consisted of products made by the people who lived here. Like many countries, goods and services have slowly been moving off shore due to cheaper employment and raw material costs in other countries. Today the market in Australia is flooded with products that come from all over the world. This has been great in some ways (cheap Japanese cars and out-of-season fruit, to name but a few) and the cheaper prices have made some purchases a lot easier on the pocket. In other ways it has been detrimental with local businesses being closed and a significant portion of manufacturing being moved overseas. We hear a lot about supporting local but what are the reasons for buying Australian-made compared to a (sometimes cheaper) import?
As a shopper, you might like to think of your purchases as a vote for what you consider appropriate behavior from the store you are buying from. If you think it’s reprehensible to test on animals (let’s face it, it is) then you wouldn’t buy from a store that doesn’t have a strong stance on this subject. If more people feel like you do and stop buying these types of products, the industry will listen and your ‘vote’ will help create a greener, cleaner, friendlier shopping environment – as you can see from the number of green and organic products beginning to surface today – a good sign consumers are moving in a positive direction!

After you’ve set your own moral compass for shopping you should consider adding supporting local business onto your list of requirements. If local businesses flourish, so will the local economy. Yes, buying local can cost a few extra dollars in some cases, but often the extra investment can purchase a product that’s made out of higher quality materials that will last a lot longer than their cheaper counterpart.

You may also want to consider supporting local when it comes to fruit and vegetable shopping. This will mean only buying seasonal fruit when it’s actually in season. Also, think of the cost and environmental impact of importing consumables like fruit and vegetables. If you’re buying off a local farmer, your goods have used less fuel to reach you and will often be much fresher.

Another green shopping method is buying items that are handmade. They can be more labour-intensive than mass-produced imports, but this often means they will be better quality, lasting you longer and lengthening the time before replacement is needed. This effectively reduces the cost in the long run anyway. For example, a craftsperson spends time honing their skills to make a handmade product. The process starts from ground zero and is completed with patience and practice. Only the best materials are used and a learned tradesperson has the know-how from years of experience, to create a long-wearing work of art.

Finally, try to source natural and organic products where you can. Shop for clothes that are made out of natural fabrics and beauty products that are organic and cruelty-free. Your purchasing decision will encourage slow-fashion companies that use natural, non-polluting fibers for manufacturing their clothing items. In making these choices, you can diminish the poor-quality clothes (or throwaway fashion) that are made out of synthetic fibers, which are bad for the environment and your health.

The same goes for beauty products. There are many local companies that manufacture organic, eco-friendly, and cruelty-free products, which are much better than the ones that are mass-produced and contain a wide range of chemical and toxic components. Organic products are great for your skin and body, are entirely safe to use from all points of view, and are not tested on animals, which means that they don’t have to suffer in the name of biped beauty. With this information in mind, we encourage you to go forth young grasshopper and become a sustainable shopper!

Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

Get a Free Quote for Mortgage Life Insurance

If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

How to Find Profitable Video Poker Opportunities

Everyone has their favorite casino games and everyone wants a chance to win some money while playing these games. Some people are more interested in playing as long as possible than having the best chance to win on any given trip.

Video poker offers some of the best chances to extend your bankroll at the same time as having a chance to land a big win. The secret is finding a machine that offers a high percentage return to the player and learning to play using the best possible strategy.

Every game requires a different strategy, but there is a correct way to play every hand of video poker. Even in a situation that loses in the long run, there is a way to play that loses the least amount of money.

Jacks or Better and Deuces Wild
In addition to learning the best strategy you have to be able to find machines that offer the best payouts. I know I mentioned this already, but if you can’t find a machine it doesn’t matter how good it pays or how well you know the strategy.

For example, there are a few video poker machines that pay back over 100% with perfect strategy but they are almost impossible to find. This post concentrates on a couple popular video poker variations that are fairly easy to find, Jacks or Better and Deuces Wild.

You can find many different pay tables with some offering better payback percentages than others. Here are the pay tables that you need to find to have the best chance to win while playing video poker. (There are a few better pay tables available for Deuces Wild, but this is by far the most common “good” pay table you will find.)

The best Jacks or Better pay table is often called a 9 / 6 which stands for the pay back for a full house and a flush. The return is over 99.5% with perfect strategy on a 9 / 6 machine. Here is the complete pay table.

800 Royal Flush
50 Straight Flush
25 Four of a Kind
9 Full House
6 Flush
4 Straight
3 Three of a Kind
2 Two Pair
Pair of Jacks or Better
The most common favorable Deuces Wild pay table is called a “not so ugly ducks” machine. You may see this referred to as NSUD. The pay back percentage with perfect strategy is over 99.7%. Here is the complete NSUD pay table.

800 Natural Royal Flush
200 Four Deuces
25 Wild Royal Flush
16 Five of a Kind
10 Straight Flush
4 Four of a Kind
4 Full House
3 Flush
2 Straight
Three of a Kind
The next step after finding the best machines is using the best strategy. I suggest picking up one of the strategy cards that are about the size of a credit card and using it while playing. This way you can always see the best play.

Comps and Player’s Clubs
When you play the machines listed above giving the house less than a half percent edge you can play longer and keep playing long enough to give yourself the best chance at winning a top payout by hitting a natural royal flush.

You also should always combine your video poker play with as many comps as possible. Most casinos have a player’s club that you can join that rewards you for your play. You may earn cash back, free hotel stays, free meals or many other types of benefits.

Even if your rewards don’t include any actual cash, they are still worth something. If you get a free meal that would have cost you $20, it’s the same as winning an extra $20 because it is money you didn’t have to spend.

Most casinos don’t pay back enough through their player’s clubs to let you consistently play with an advantage against them, but you may be able to play a break even game in the long run.

The majority of players don’t play correct strategy so the casinos take their money quicker. Sometimes player’s club benefits are determined based on everyone’s play so if you play perfect strategy you may be able to gain a small edge with your benefits.

Either way, if you always play using the best strategy and take advantage of the player’s club benefits you are doing everything you can to reduce the advantage the house has.

Video Poker Tournaments
Another area that can offer extended playing time on a set bankroll and / or a chance to play with a small edge over the house is playing in video poker tournaments.

A video poker tournament is a contest where the players play video poker for a set period of time. The players with the highest balance at the end of the pre-set time either moves to the next round of play or wins the prizes.

You may be able to find free video poker tournaments, but most of them have an entry fee.

You may be wondering how you could play with an advantage over the house in a video poker tournament. Here is an example.

Many tournaments have a minimum guaranteed prize pool and sometimes there aren’t enough entrants to cover the entire amount. This is called an overlay. If the guaranteed prizes total $1,000 and there is only $900 in entry fees, there is a $100 overlay. This creates a profitable situation for the entrants. On average, each entrant will win a percentage of the overlay based on how many entrants there are. In real life only the players who finish in the money enjoy the overlay, but if you put yourself in enough situations with an overlay you will come out ahead in the long run (Assuming you play at an average or above average level. This isn’t difficult if you use basic strategy.).

Conclusion
You can use video poker to extend your casino play and combine it with player’s club benefits to give yourself the best chance to win. Always play on the best machines, sign up for the player’s club and use the best strategy.