The Day I Decided To Stop Gambling With Gamblers Anonymous

Everything was going perfect for me in life. Good job, good home, good life and good friends. Until one day some friends asked if I wanted to go to the casino. By the time I realized it, three years of my life were gone and I was in debt. It was time to quit.

The day I decided to stop gambling I was depressed and relieved at the same time. I couldn’t go on any longer. I thought all my hopes and dreams were shattered. I couldn’t tell anybody what I was going through. I was afraid that they would be disappointed in me. I remember the first day. I was nervous and anxious. I had a hard time focusing at work. This was not my first time trying to quit. I was sure I really wanted to quit, but wasn’t sure if I could quit.

The day I decided to quit I had no where to turn. I found it was difficult to talk to my family and friends about my problem. I began to do research and found Gamblers Anonymous. I wanted to give Gamblers Anonymous a try. I happened to have met a lot of nice people there. They welcomed me into the group and made me feel comfortable. I had tears coming down my face and my anxiety kicked in. I was very quiet buy my emotions were running wild inside. I made it through my first meeting and was somewhat looking forward to the next one. As each week passed new members would join and others would disappear. This became a weekly event. Who was going to come back and who was going to stay?

I continued to go to my Gamblers Anonymous meeting on a weekly basis. I was always afraid some one would recognize me. The turn over was extraordinary. Each week as I entered the meeting my heart began to race until I was sure I didn’t know any of the new members. It was the tenth week and an old co-worker of mine walked through the doors. We hadn’t worked together for over ten years. I thought about leaving but I decided to stay and try and work it out. Unfortunately he did not keep the Gamblers Anonymous code. He had told a friend who told another friend until it got back to me. It was unfortunate, but I dealt with it and moved on.

Creating Wealth Through Shariah Compliance

What is Shariah compliance and why would anyone want it?

Shariah compliance is based in Islamic finance and quite simply forbids usury or riba which is the charging of interest on a loan or riba al nasia. This compliance also prohibits gharar or excessive risk by one or more parties involved in a contract. Finally, shariah compliance disallows haram investments including pork-related investments, gambling, entertainment, war expenditures and pornography.

Shariah compliance creates an equitable, investment structure which allows for profit and prosperity while promoting ethical and moral investments not to the detriment of society.

I believe that 2011 provides an opportunity to see the forest from the trees and the grasshoppers from the ants. Several strong investment opportunities abound in the areas of the noble metals, energy, agriculture, and other arenas like biotechnology. Fortunately, commodities can be purchased in terms of the metals, energy and agricultural products and these commodity purchases, so long as they do not involve haram (ie pork bellies) or gharar (ie future contracts and options), offer an outstanding opportunity to invest wisely and to participate in a marked gain in the coming years.

In fact, the United Kingdom has recognized the opportunity present with Islamic banking and has embraced the structure.

“When it comes to Sharia-compliant banking, few Western countries can compete with Britain. One of the world’s prime financial centers, the City of London is also the key Western hub for Islamic banking. With 23 banks, nine fund managers and a number of international law firms offering Islamic finance in the City, by 2006 British Sharia-compliant assets were thought to be in the region of $22 billion. The global industry has trebled in the past decade and is now worth around $531 billion. Britain is also in the vanguard when it comes to Sharia-compliant retail banking, catering for its population of approximately three million Muslims.”

Yet Muslims seeking to invest within the United States still have the ability to secure Shariah compliant banking and investment vehicles.

“With a best-guess figure of six million Muslims in the United States of whom around 60 percent are devout (and therefore likely to use Islamic banking services), Shayesteh considers domestic Sharia-compliant banking an untapped market. ‘We (the United States) have at least 3.6 million [potential customers] at the very base level market opportunity for banks from abroad and here to tap into,’ he explained.”

The importance however is not simply to see an “untapped market,” but to understand the importance of the principles of Shariah compliance which benefit society by not taking advantage the community through debt-inducing usury.

There are other investments if one were to, for example, invest for sheer profit or gain. Shorting the dollar and investing in debt or interest ( in anticipation of rising inflation in 2011) has been called the “trade of the decade.” However, when one considers that riba forbids usury which creates indebtedness and the shorting of a currency one does not own, these investments impoverish society.

Shariah compliant investing is so important it supports the financial community by benefiting the banking industry and the community-at-large.

The American banking system has not promoted Sharia-compliant banking and investing.

“…constitutional limits on promoting any one religion over another… keep(s) legislators quiet about the opportunities, and (as there is) no sign that any major American banks will be rolling out Islamic products, the market remains unexploited for now.”

How refreshing. Something in the financial industry which is not being exploited…yet. This is good news and a great opportunity to begin reshaping your investment directives in 2011 starting with opening a riba-free checking and savings account and purchasing commodities early in the year before the prices escalate.

Choosing the Best Gambling Site

Sometimes, you just get the feeling that the world of online gaming is a bewildering cacophony of flash banners, pop-ups, overloaded menus filled with too much information, and a confusing array of too much promotions and bonuses. This will surely leave you in a dizzy state, trying to make sense of all these online gaming stuff, when all you want to do is play some casino games or spend a few hours at your favorite card table.

Knowing where to go and how to begin playing online will save players a whole lot of time and money, and it will also allow them to enjoy their gaming experience more. People would think that picking out a gambling site from the myriad of options on the Internet is a simple affair. Perhaps they select their first casino based on who gives the highest payouts, or which one gives the highest stakes. While these factors certainly play a major role in helping you choose your online gaming venue, there are a few other important aspects to keep in mind, some of which may be neglected.

Payouts – Since every casino wants to be in on the “Top Ten” list of online casino reviews, finding an online casino with the highest payouts may be a bit difficult. The best thing to do in this case is to go to a well-established gambling resource website and read their reviews for the casinos listed there. You can also check out the winner lists at your favorite casino site, if you already have one in mind. As a rule of thumb, all the better gambling sites have these lists. Plus, if they are a member of the Interactive Gaming Council (IGC), they are required to be truthful of their advertising, which can add more confidence to your decision making.

Downloads – If you’re like me, you don’t like to spend several minutes of your time downloading software without having any idea what they’re getting. And that includes casino software. To help you out, the better casino sites feature a “Preview” page where you can view screenshots or even short videos to give you a better idea what you’re downloading. Some online casinos even provide tutorials for beginners that are just learning how to play. Downloading a software for 10 minutes and realizing that you don’t like it after all can be annoying, to say the least. The “Preview” section will show you beforehand what you’re getting, so look for it and use it before you start downloading.

Licensing – There has been some heated arguments over this issue, but basically, it all comes down to the casino itself. Regulating online casinos can be tough, since it’s pretty much a voluntary compliance issue with them. The casino decides whether or not it wants to be licensed and regulated, or not. For example, an online casino buys a license in Antigua costing $100,000. Now they can say they are “licensed”. But mind you, there will be no more follow-ups and no compliance rules to obey. They don’t have to do this licensing thing at all.

So where does that leave you? Fortunately, there is an organization of online casinos called the Interactive Gaming Council, or IGC. The IGC members are all required to follow their “Ten Points of Conduct”, which requires member casinos to be legally licensed, submit themselves to fair play testing, and maintain strict privacy controls over their clients’ financial information, among other things. Membership is still voluntary, but being an IGC member shows good faith on part of the casino, so the player can get some comfort from this.In case you’re interested in knowing more info on online, stop by http://cpabien.online/