You’ve worked hard your whole life. You’ve saved up, you’re ready to settle down and retire, but you don’t exactly know what’s in store with your state pension. Before you get to retirement age, you should know exactly what’s happening with your pension funds!

When it comes to UK pensions, the triple lock guarantee is what’s currently in the news. The triple lock was created to make sure you could buy what you needed with your pension once your reach retirement age. But what exactly is the triple lock program, and what is going on with it right now?

Pension Basics

Pensions are set aside so that you can pay into state funds during your working years, and take from them when it’s time to retire. It’s not exactly playing the stock market, which can actually take longer than you think to hit it big, it’s more like a government run foundation for your retirement funds.

The current pension plan, known as the triple lock pension plan, will make sure that pensioners get a certain amount of money for their retirement based on inflation rates. The amount paid to retirees will then grow with the rate of inflation over time.

The Triple Lock Pension

Created by the Coalition government in 2010 and 2011, this pension plan was a guarantee to increase the pension payments at a steady rate. The Conservative-Liberal Democrat government from nearly a decade ago decided that the idea was to keep pensioners from suffering from the random increases in pensions that happened in the early 2000’s. 

  • The triple lock keeps your pension growing at the same rate as inflation. 
  • This makes is so you can get the same amount of food, goods, services for your money as the year before.
  • This leaves the 75p a week rise in state pensions at the door! 
  • This pension plan makes it so your income isn’t deteriorated by the increasing cost of living in the UK.

The triple lock pension is great on paper, but the reason it’s in the news lately is because the overall price it costs to make this guarantee a reality.

The State of Your State Pension

Because the Triple Lock will cost tax payers an estimated £45 billion in a little over a decade, there is a huge debate over whether it should stick around! Knowing whether you can rely on the triple lock for your retirement income should be priority if you’re at the age of retirement right now.

The current pension was to increase to 6.6% of GDP (gross domestic product) two years ago in 2016 and expected to rise to 8.5% of GDP by the year 2060. However, after 2060, it is predicted that the Triple Lock plan will go down to 8.1% if a cheaper pension is put in place.

However, if retirement isn’t in the cards in the next few years, there are other alternatives that are on the table for state pension plans. 

Alternatives

There are plenty of private alternatives for saving for your retirement, but when it comes to the state pension plan, there are tons of options up for discussion. Discussions for reducing it to a double lock, or moving it from a 2.5% minimum growth per year to a smaller growth per year, is being heavily considered 

However, trying to predict the rates of inflation can be extremely tricky! Although there are lots of benefits of online gaming, and you can hit it big on the jackpots, you shouldn’t rush out the door to gamble your pension away! 

Keep an Eye Out

With a growing society, and many people living for longer, the UK’s elected officials have a lot to consider. From the overall cost, to all of the technicalities of predicting inflation, you should look out for your future by keeping an eye out on what is happening with your pension!

You can check on your pension now, or you can watch the news to see what your future income will be like when you retire. Either way, a lot of changes may be on the horizon for your gold year financials!

Rainbow Jackpots Review

By Pete | @kingpetey | 03 Jan 2019

Ireland is famous for its lucky leprechauns, golden horseshoes, pots of gold and four-leaf clovers. Combine them and they make for very popular slot machine games.

You’ve probably played Rainbow Riches and Slots O’ Gold in the past, but another Irish-themed slots game that is growing in popularity is Rainbow Jackpots. Developed by Red Tiger Gaming, this slot machine features all you would expect in an Irish-themed game, plus more.

All three of these aforementioned games can be played for free in practice play, and for real money at many reputable online casinos, such as: https://games.paddypower.com/game/rainbow-jackpots-grt. You can decide for yourself if Rainbow Jackpots gives Rainbow Riches, Slots O’ Gold and the other similarly-themed games a run for their money.

Rainbow Jackpots is a five-reel, four-row 20 paylines slot game that offers a progressive jackpot too, meaning you can win a life-changing sum in a single play, one that often tops the £1 million mark. The progressive jackpot increases with every bet that every player makes on the game.

The visuals are simple and brightly coloured. The symbols are against plain white reels within an archway carved and decorated in a Celtic style. The soundtrack includes cries of encouragement from the lucky leprechaun’s Irish accent. This game is colourful and cheerful just as you’d expect from any Irish-themed slot machine.

The 10s, Jacks, Queens, Kings and Aces represent the lower value cards on the reels. The lucky leprechaun is the game’s scatter symbol which can be substituted for other symbols to make bigger winning combinations. Other symbols include pipes, pots of gold and pints of stout, with three scatter symbols unlocking the opportunity to win up to 100 free spins. If the animated leprechaun appears on the screen, he blows his pipe and this upgrades you to a Mega Free Spins feature.

Gold coins represent the wild symbol in this game. Roll five of them to enter the bonus rounds to be in with a chance of winning the progressive jackpot.

One of the best features in this game is the Beer Bonus. Here you can win up to 100x your stake. But if the lucky leprechaun appears again, he upgrades you to 1,000x in the Triple Beer Bonus feature. The leprechaun can certainly help you to win bigger, random prizes.

Rainbow Jackpots can be played from £0.20 per spin and is available on desktop, tablet and mobile devices. This means you don’t have to be in Ireland to play it! In fact, if you have the internet connected to your table or mobile device, you can play it from just about anywhere and everywhere! That could be down your local, on public transport or even whilst waiting for your meal to be served at a restaurant if you so desire!

Everyone enjoys a slot machine that features a lucky leprechaun and pots of gold and Rainbow Jackpots certainly offers its own uniqueness to the growing list of Irish-themed slot machines. It’s certainly one not to give a miss.

Whilst there have been gradual changes to the availability single-use plastics, up until now, it’s all felt like a drop in the ocean. Yet, in October 2018, the European Parliament congregated to impose a complete ban on a wide-variety of single-use plastics. The ultimate aim is to prevent the excessive pollution of the ocean. We’ve all seen the footage of animals with stomachs full of plastic or encased in plastic, and it’s easy to wonder how the ocean ended up in such a terrible state of affairs. It is by the public’s persistence that dramatic change needs to happen now after David Attenborough’s BBC Blue Planet series aired. David Attenborough’s work has never just been about showcasing the beauty of the natural world. There has always been a strong focus on how our lifestyles are hindering and driving other species to extinction. With such minimal changes to our daily lives, we can all work together to make the environment more hospitable for both land-dwelling and sea-dwelling creatures. You can watch a clip of David Attenborough’s Blue Planet here

As a consumerist society, we’ve grown to love and come to think that we need single-use plastics, however, this isn’t the case when there are so many alternatives now on the market. They may be a little more expensive for the time being, yet the ultimate price is being paid by our wildlife. We’ve already seen a drastic reduction of the amount of fish in the ocean. Yet, it was predicted that if drastic measures aren’t taken there will be more plastic in the ocean that there are fish by 2050. And that’s without mentioning the potential hazards of the toxicity of the plastic. 

Which Single-Use Plastics Are Now Banned Under European Parliament? 

Whilst only some of the single-use plastics which are currently used commonly in Europe was included in the blanket ban there are plenty more items that the proposal calls for a reduction. This included items such as plastic cups and food containers such as you would receive from the supermarket or a fast food restaurant. 

However, the list of banned single-use plastic items now includes: 

●Cotton buds 

●Straws 

●Drink stirrers 

●Balloon sticks 

●Plastic cutlery and plates

What are the Alternatives? 

A lot of single-use items which were previously made from plastic can easily be placed by different materials. Pubs, bars, and restaurants have all been quick to replace their straws with paper straws. Whilst paper straws may not be as pleasant to drink from as plastic straws, their biodegradable properties ensure that we aren’t contributing to the oceanic plastic problem for the convenience of using a straw for a few minutes at a time. If you’re not a fan of the paper straws, you can also invest in your own reusable metal straws, which can easily be recycled if need be. 

How Far Can Legislation Take Us? 

With a little research, you’ll soon see that for every single-use plastic, there is a more environmentally friendly alternative. If you’d like more information on how you can make a real difference to your consumption and discarding of plastic, why not check out these 26 top tips on how to reduce the amount of plastic in your home? As you’ll soon see, the alternatives may be slightly more expensive than what you’d expect from single-use plastic items, yet, is there any better investment than the environment? Whilst governments around the world are all doing their bit in ensuring that there are less plastics available to purchase, we must also take a proactive role in the limitation of plastic in our environment. Whilst toothbrushes, lighters, and other common household items are not yet featured on the banned list, it’s easy to find alternatives to the common plastic variations we see every day.  

If you take a look around wherever you are right now, unless you’re sitting in a remote woodland far away from civilisation, you’re going to see plastic around you. Start to think of ways in which this could be reduced. That’s not to say ridding your home of the plastic which is already in use is of any benefit to the planet. Yet, when it comes to disposing of the plastic already in your possession it is imperative that you recycle even the smallest parts of plastic whenever possible. As it is these small pieces of plastic which may ultimately cause the greatest devastation to wildlife. 

Of course, the key to solving the crisis which we have seen with plastic in recent years will never be to fully eradicate plastic from the planet. It would be infeasible and impossible. Instead, we must focus on regulatory measures and recognised bodies whose primary job is to oversee (or should that be oversea?) how plastic is recycled and come up with new ways to prevent the plastic from ending up in our oceans. With effective regulation measures in place, we can still enjoy our modern-day commodities. Regulation has always served as a way to ensure responsibility. If you take for example gambling. Just like plastic, gambling doesn’t have the best reputation. Yet, under measures, such as those imposed on online slot machine websites such as Egypt Slots those who enjoy gambling can do so knowing that they are protected by the regulations put in place to ensure that they access a safe and fair website. Egypt Slots have gone above and beyond to ensure that all of the information required for a player to make an informed decision about their gaming is fully visible. Players will get a clear and accurate view of the price of the stakes alongside information such as the Return to Player rate. 

Social change is an inevitable part of a progressive society. It’s easy to feel scorned by the fact that items of such convenience have been taken away by the new European laws. Yet, when you look at the bigger picture, to move forward and limit the environmental impact of our modern ways of living, it’s more than worth embracing the change. 

In the digital age we live everything is fast paced and accessible, so many people are now choosing to play online slots games on their mobile phone either at home or when they’re out and about. There’s no doubt about it, the online slot gaming industry is booming and it’s no wonder when there is such an array of diverse games to choose from. The bonus of that is there is something for everyone and it’s far from burning and repetitive. However, on the flip side, because there is such a vast amount of games to choose from, it can be daunting. Where do you start? Lisa from 666 Casino, the genius behind the creation of their slot games collection, gives us some insider tips on where to start to make the most out of your online gaming experience and where to play online now.

  1. Check that T&C’s Before you Play

You need to first of all decide what kind of gaming experience you are looking for, and if you are looking for low, mid or high variance slots. Check the gaming description to find this out. This is an integral part of starting out as it can make a huge difference to your play and can tailor your experience to suit you. Be sure to read the T&C’s carefully before you play, as free spins are very common in slot games but before you deposit be sure you understand the terms surrounding the free spins. We’ll give you a helping hand and send you over to 666casino, they have amazing offers with some fair T&Cs that are easy to understand, click hereto have a look.

  1. Understand the Nature of Slots Games

For the majority of slot games, they don’t require a high level of gambling skill or strategy, which makes them easy for beginners to play. However it’s important to understand that the games are opportunistic by nature as their outcomes are determined entirely on RNG software, which essentially means random numbers are generated which in turn means your wins will be completed random. There are a wide variety of games that will also incorporate certain skill features that may enable more experienced players to have an influence on the outcome, however, the bottom line is by their very nature slot machines are opportunistic and for the most part can’t be manipulated. 

  1. Play at a Reputable Casino

There are myriad online casinos to choose from, so many it could make your head spin. That being said, it’s important you choose a trust worthy, reliable casino with s good reputation. Be wary of recently rebranded online casinos, as sometimes casinos with bad reputations choose to rebrand under a different name in a bid to shake off their negative punter feedback. Be cautious but don’t be too sceptical, the online casinos business is full of fantastic casinos so as long as you do your research prior to play you’ll be in for a great time. 

  1. Play before you Pay 

A huge bonus of online slot games is that you usually get the opportunity to play the game and give it a test run before you deposit any money into the game. Of course, free play isn’t the most spins tinglingly exciting experience but as a beginner it will give you the confidence that you know what you are doing before you part with your money. 

Large numbers of online businesses are started every year, in part due to low barriers to entry and the almost unlimited potential audience the business could then reach. In recent years one area of online business that has seen high levels of growth is that of online casinos. In fact, this market has been highly competitive with new brands always trying to set their mark against established brands like Unibet. But what does it take to get an online casino business up and running though?

The first thing that is necessary to do is define who the target audience of your online casino is going to be. It is now quite a crowded market, so targeting your site at a particular segment of the market could be vital to the success of your online casino. For example it could be aimed at a particular demographic of people or the games within the site could have a specific theme, e.g. it could just contain games with a superhero theme or just retro games.

Next you must decide which casino software and games you intend to use. The software you use will run your online casino and help you manage the whole site, including processing of payments, account management and handling marketing campaigns. The games you offer are what will attract people to your site and this should be a major consideration in deciding which supplier to choose.  There are two different types of suppliers to choose from, the ones which develop the games and platforms themselves and those that offer a package that provides gaming content from other suppliers. If you go with the second option it will probably be more expensive but it means you can have games from many different providers without having to sign a lot of different contracts.

There is then the decision of whether to go with a provider who demands a monthly fee or one that doesn’t and will send you the source code files immediately.

The top three game developers are Net Entertainment, Playtech and Microgaming and it is vital to have a successful online casino to at a minimum have a selection of games from at least one of the three. The cost of this must be taken into consideration though as they demand monthly fees of 10,000 Euros and will take a minimum of 15% in royalties.

If one of your main decision making criteria is in terms of budget and you are looking to minimise costs it is worth taking a look at CasinoWebScripts.com who are a software provider who look to help those starting out and don’t require any monthly payments. They allow anyone to buy as many games as they wish and allow the casinos to keep 100% of their profits. They also offer a service where they will develop any game you would like and you can pay around 100 000 Euros for a full solution that will allow use of their products for the next 100 years.

Finally, when starting an online casino make sure you take your time before rushing into any decisions and speak to different suppliers before deciding who are the right ones for you to work in conjunction with.

Why is gaming on PC better?

By Pete | @kingpetey | 25 Jun 2018

There is a long-running dispute between console and PC gamers over which is better. While both sides have their merits, here is why PC gaming is ultimately the winner.

Customisation

Once you have bought your PS4, Xbox One or Nintendo Switch, you cannot change or upgrade them beyond buying a larger hard drive. However, with a PC, you can change absolutely everything. You can buy a mouse with 12 buttons on it, a more comfortable keyboard and better speakers – and none of these upgrades are even scratching the surface. If you want to really overhaul your gaming rig, then you can buy more RAM, get a better graphics card and even insert a liquid cooling system. When it comes to customisation, nothing beats PC. Building a PC can seem daunting, but it is also a really fun and very satisfying project to take on.

More games

Every games console that has ever been released, even the ones that can play some older games, have a tiny library of games in comparison to PC. On PC, as well as buying from an ever-expanding library of new games being released on platforms like Steam, GOG and itch.io, you also have access to pretty much every PC game ever released. Sure, some of the older games require a bit of fiddling to make them work on Windows 10, but by and large, you have so much choice. On Steam, over 7,600 games were released in 2017. On top of that, you can also play thousands of different browser games online. There are loads of different genres to choose from – MMORPGs, racing games, puzzle games and online casino games. Casino games in particular have surged in popularity, with the classics such as poker, roulette and blackjack undergoing a digital makeover. Stakers.com offer a variety of the latest offerings, and with a variety of online browser games to choose from, it is easy to see why consumers flock to the PC. 

More powerful and cheaper in the long run

Yes, the Xbox One and the PS4 make boasts about their processing power, but you can put together a PC that is far more powerful than those assembly-line jobs. You can look up various parts and compare them in price and power to a console to see just how easy it is to make a PC that is more powerful than the newest generation of consoles. While building a powerful PC is probably going to cost a couple hundred pounds more than buying a console, buying a new console every five years is going to cost more than gradually replacing the parts of your PC. Just look at the figures. The PS4 came out in November 2013, and then the more powerful PS4 Pro launched a mere three years later. If you bought a PS4 new in 2013, it would have cost you £349.99, and if you then bought a PS4 Pro on release, then you have spent another £349.99.

Mods

In addition to the wider selection of games available on PC, there are also people developing new content for PC games that have already been released. These modifications, or ‘mods’, can be anything from new levels and weapons to entirely new story experiences. There is a mod for Elder Scrolls V: Skyrim that turns all of the dragons into WWE legend Macho Man Randy Savage, complete with voice clips of him shouting. With that in mind, just try and tell me that console gaming is better than PC gaming.

In today’s generation, online gaming is slowly growing to become a great hit. The universal demand of online games is astonishing. According to researches done, it displays that one in four internet operators visit online game websites, bringing an annual report of more than 217 million online gamesters worldwide. This online game groups are settled by people from both sexes and of all ages. Universally, people are spending time playing slots, trivia, and board games. However, are all these games healthy? Yes, perhaps in many more ways than you would ever think.

Memory and Cognitive Skills

Nowadays, old and young alike are finding cognitive boosters and fun challenges in online games targeting memory and reaction. Online slots, puzzle games such as Sudoku or Mah-jong, and trivia games like Slingo MatchUms are easy to learn and play, yet provide a continuing challenge for players. Once you click the link to play online slots there really is no turning back, the simplicity of online casino has taken over.

Grown person tend to use certain parts of their brains frequently, while other parts are less lively. By enjoying games that focus on memory, speed, logic and reasoning, you can work out those smaller used parts of the brain. According to studies, logic, trivia, slots, puzzle and memory games can help stave off the forgetfulness and dementia that occasionally comes with old age. By using all the parts of the brain can have big advantages for you now and as you grow older.

For kids, these same challenges can improve the cognitive growth they are experiencing as they grow. Where memory and speed might not be as much of a test to a 13-year-old, logic and reasoning probably are. Games have constantly been a part of the childhood development cycle. Alternating physical play with nowadays overabundance of online games gives the brain the workout it needs and provides a healthy balance.

Staying Connected

Online game communities and multiplayer online games provide occasions to promote social interaction within current relationships as well. Whenever family members or friends are miles apart, remaining in contact can be challenging at best. However, today grandson and grandpa can go head to head every night trying it out over 8-ball, backgammon and chess, while old buddies are playing bingo and checkers, all the while chatting about the day and remaining involved in each other’s lives.

Social Interaction

Rich story lines, cooperative play and mental challenges draw game players in, nonetheless part of what makes online games extremely admired is the social interaction. Through online communications, players build both meaningful and casual relationships. They have the chance to strengthen existing relationships and meet new people.

Online Slots at Lucky VIP Casino

Lucky VIP.com is one of the leading online casino sites, for people who enjoy having fun, winning prizes and playing games. Lucky VIP provides stimulating online slots, and table and card games. Amongst some of its card games, you will be able to communicate with other players on the site to add a higher level of enjoyment to the game, and as well as the dealer. You can visit this extremely entertaining site at any time, by making use of a Mobile Phone, Tablet, or Desktop!

Making money while playing games - how many of you have thought of this as children, or even young adults? I guess many of you have dreamed of it, even if your moms used to tell you that "nobody is going to pay you for playing non-stop". Thanks to modern technology, we now have several ways to be paid for playing games. Some of them involve a career in the game development industry - but these are usually not as much fun as they sound. But there's another way to get paid to play, with no need for expertise - but only luck. It's call an online casino.

Entertainment for money

The online casino industry is the only branch of the iGaming business that relies on simple, entertaining games to make a living. And most players at the wildjackcasino.com are there not to make a buck, but to have fun in their own way. Most casino games at the Wild Jack Casino are designed to entertain first, and you need a lot of luck for them to be profitable in the long run. They are built this way - although they are completely fair, most games at the Wild Jack Casino are far too unreliable to be considered as a steady source of income. But slot machines are not the only games at the Wild Jack Casino that are fun to play. There are several others that, when played the right way, can help you round up your budget. Or even make you rich - if you are very lucky.

Games for the pros

Most casino games are completely random, but there are some that have a lower variance. Blackjack is one of them - it is considered by many the game with the most profit-making potential in the long run. Simply playing blackjack is usually not enough for success, though - it is random enough for it to be almost completely unpredictable. What makes it special, though, is that it leaves a lot of room for player decision. And taking the right decision at the blackjack table often means the difference between winning and losing.

The most widespread method of turning blackjack into a profitable game is the so-called "basic strategy". This consists of a list of recommendations about what you should do (and not do) depending on the value of your hand, and the card revealed by the dealer. It's quite easy to learn, and equally easy to use. Applying the basic strategy can improve the percentage of your winning hands significantly. Other games with a series of relatively "safe" bets are War, video poker, and Roulette. All of these can be played in a way for them to be in the player's advantage. And all of them are fun games to play, so you can play games, be entertained, and make a buck at the same time.

Many of you reading this are already seasoned or at least have heard of the Roulette game that is popular in casinos, both online and land-based. A good number of these establishments have come to realize that with the rise of the game’s popularity comes the inevitable increase in competition for this large market base. Many of them have seen to it that they woe in potential members with membership-based bonuses. The bonuses are numerous and vary from place to place; I will give you the breakdown of the best roulette bonuses in casinos out there. 

Many people will opt for the European Online roulette, since it only has a single zero, which means a favorably low house edge. There are notably two bonuses that a lot of sites have employed. Firstly, there is the Cashable roulette bonus. This simply means that after placing a wager and meeting the wager requirements, you can keep the bonuses of the bet. The other and clearly quite opposite one, is the Non-cashable (or “sticky”) bonuses, this means that after winning a wager the player can take the winnings but not the bonuses of the particular wager.

I will look into a number of online roulette casino that have presumably the best bonuses around. To begin with, there is the Noble Casino which offers arguably the best deposit bonus for players. For new players, they are given a 100% first deposit bonus. Clearing bonuses in subsequent wagers can be done by wagering at least two hundred times the bonus amount at the table hosting the game. The second online establishment on my list is the Prime Casino. It offers a chance for new players to clear their welcome bonus while playing roulette. They offer starter bonuses of a 100% for the first three deposits made. The maximum amounts are fifty, hundred and one-fifty sterling pounds for the three deposits respectively. 

I have just listed two of very many online roulette casino that offer quite lucrative bonuses for members. The advantage of joining certain establishments is that they are bound to offer more bonuses depending on your membership. With monthly and weekly promotions they are always in a bid to keep their members, as more common than not, people are known to defect from certain sites to others that have better bonuses. At the end of the day, these bonuses are there to make your experience playing roulette even more fulfilling. 

 

At present, roulette players could be forgiven for thinking that they would be better served playing t a bricks-and-mortar casino than online. After all, Californian professor Richard Muller has recently claimed to have developed a method for beating the traditional roulette table, based on physics and the popular 'bet in-play' trigger. He believes that it is possible to leverage data during those few seconds when the ball is spinning to make successful wagers, beating the house and driving huge returns in the process.

3 Simple and effective strategies for optimising your odds when playing Roulette

Of course, such theories are laced with doubt and uncertainty, making it almost impossible to determine whether or not they are viable. Online players also have no such luxury when attempting to formulate strategy, as the mechanics of virtual roulette and the use of a random number generator to achieve results prohibit such tactics. Instead, they are forced to rely on simple and logical strategies to optimise their chances of success, including the following: -

Choose a system that suits your Bankroll

If you ever read popular roulette tips, you will know that there are a hist of betting systems that players use to achieve success. Some of these are more popular than others, however, and the popularisation of such strategies can cause them to be arbitrarily adopted inappropriately. Instead, it is far better to select a system that suits your bankroll and appetite for risk, with popular, progressive strategies often requiring multiple wagers to win any form of return. If you choose a system that is beyond your means, you may sink all your money before you earn the chance to win.

Table Coverage is more Important than the Value of your Stake

Let's continue with a correct but understated assertion, which is that the spread of your bet is far more important than the value of individual wagers. While high rollers often back single number bets in exchange for inflated odds, for example, those with smaller budgets must adopt a more risk-averse approach and instead aim to cover as many potential outcomes as possible. By including a higher proportion of reliable, even-money bets alongside inside wagers that drive inflated returns.

The precise combination that you choose is up to you, but the key is to focus on bet coverage and your probability of success.

Random Results means that Consistency is Key

Regardless of your chosen platform, it is important to accept the random nature of roulette. While there are always suggestions that results can be pre-empted and outcomes determined, this is something of a gambler's fallacy and one that can undermine even the most skilled of practitioners.

This is why consistency remains the watchword when implementing your strategy, as this ensures that it is not swayed by perceived number patterns and has the best possible chance of achieving success. Remember, any sequence of numbers can occur during gameplay, so invest time in creating a viable and pre-determined strategy that can be sustained over time.

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